i 
I 


EXCHANGE 


DEPT. 


EXCHANGE 

APR  90  isift 

OUSE 


No.  2450 


REPORT 


•771 


COMMISSION   ON  PENSIONS 


* 

OF 
UNI  V  I 

OF 


MARCH   16,    1914 


BOSTON 

WEIGHT  &  POTTEE  FEINTING  CO.,  STATE  PEINTEES 

32  DEENE  STEEET 

1914 


J 


KPT. 


J 


CONTENTS. 


PAQB 
CHAPTER  I.     SCOPE  OF  WORK  AND  RECOMMENDATIONS  OF  THE  COMMISSION,         .         3 

This  chapter  summarizes  briefly  the  whole  report  of  the  commission.  It 
contains  an  outline  of  the  commission's  work,  shows  the  scope  of  its  investi- 
gations, the  extent  of  the  pension  legislation  in  Massachusetts,  the  nature 
of  the  pension  problem  and  the  commission's  proposals  for  its  solution. 

CHAPTER  II.     STATISTICAL  INVESTIGATIONS,        .......       24 

In  this  chapter  is  outlined  the  method  pursued  in  securing  the  data  relating 
to  the  present  pensioners  of  the  State,  the  counties,  cities  and  towns  therein, 
and  information  pertaining  to  public  employees  throughout  the  Common- 
wealth who  may  become  pension  beneficiaries  under  present  laws. 

CHAPTER  III.     ACTUARIAL  REPORT  ON  BOSTON  PENSION  FUNDS,          .  31 

This  chapter  contains  the  report  of  Herbert  D.  Brown  of  Washington,  D.  C., 
whom  the  commission  engaged  for  a  valuation  of  — 

1.  Teachers'  Funds;  — 

A.  The  Permanent  School  Pension  Fund  of  the  City  of  Boston. 

B.  The  Boston  Public  School  Teachers'  Retirement  Fund. 

2.  The  Police  Pension  Fund. 

3.  The  Firemen's  Pension  Fund. 

CHAPTER  IV.     PENSION  SYSTEMS  IN  MASSACHUSETTS,          .          .  .     101 

In  this  chapter  are  set  forth  the  salient  features  of  all  pension  laws  now 
operative  in  the  Commonwealth. 

CHAPTER  V.     THE  PENSION  PROBLEM,       .....  .     171 

This  chapter  deals  with  a  critical  analysis  of  general  old-age  pensions  and  of 

old-age  pensions  for  public  employees;  and  states  the  commission's  conclusions 

.     relative  to  the  justification  for  and  the  character  of  each  of  these  propositions. 

CHAPTER  VI.     PROPOSED  LEGISLATION,      .....  .     187 

The  commission  submits  in  this  chapter  several  bills,  the  enactment  of  which 
will  carry  into  effect  the  recommendations  of  the  commission.  These  bills  are ;  — 

1.  The  Massachusetts  Retirement  Act. 

2.  An  Act  relating  to  Payments  to  Policemen  and  Firemen  or  their  Families 
in  Case  of  Disability  or  Death. 

3.  An  Act  relating  to  Retirement  of  Justices  of  the  Supreme  Judicial  Court. 

4.  An  Act  relative  to  the  Public  School  Teachers'  Retirement  Fund  in  the 
City  of  Boston. 

5.  An  Act  relative  to  the  Permanent  School  Pension  Fund  of  the  City  of 
Boston. 

6.  An  Act  relative  to  Taxation  in  the  City  of  Boston. 

APPENDIX  A.     PENSIONERS  OF  THE  STATE,  COUNTY,  CITIES  AND  TOWNS  OF  MASSA-    209 
CHUSETTS,     ......... 

This  appendix  gives  the  name  of  each  pensioner  on  the  pension  roll  on  Aug. 
31,  1913,  together  with  his  age,  length  of  public  service,  date  of  retirement 
from  public  service,  last  employment,  last  salary  or  wage  in  such  employment, 
and  amount  of  pension. 

APPENDIX  B.     DIGEST  OF  PENSION  LEGISLATION  FOR  PUBLIC  EMPLOYEES  OF  ALL 
STATES  IN  THE  UNITED  STATES,      .........     264 

This  appendix  gives  in  tabular  form  an  extract  of  pension  laws  of  the  various 
States  relative  to  public  employees,  and  also  similar  information  relative  to 
some  of  the  principal  cities  in  the  United  States. 


tHommcntflealtl)  of  4fla05acl)ii0ett0. 


To  the  General  Court  of  Massachusetts. 

The  Commission  on  Pensions,  authorized  by  chapter  106,  Acts 
and  Resolves  of  1913,  to  make  certain  investigations,  has  completed 
its  work  and  begs  leave  to  make  the  following  report. 

Respectfully  submitted, 

JAMES  E.  McCONNELL,  Chairman. 
MAGNUS  W.   ALEXANDER,   Secretary. 
HENRY  S.  DENNISON. 

BOSTON,  MASS.,  March  16,  1914. 


Comtnontoealtt)  of 


CHAPTER   I. 

SCOPE   OF   WORK  AND   RECOMMENDATIONS  OF 
THE   COMMISSION. 

The  General  Court  of  Massachusetts  enacted  chapter  106  of  the 
Resolves  of  1913,  which  was  approved  by  the  Governor  on  June  4, 
1913,  as  follows :- 

RESOLVE  TO  PROVIDE  FOR  A  COMMISSION  TO  DEVISE  A  JUST  AND  COMPREHEN- 
SIVE SYSTEM  OF  STATE,  COUNTY  AND  MUNICIPAL  PENSIONS. 
Besolved,  That  a  commission  of  three  persons  shall  be  appointed  by  the 
governor,  with  the  advice  and  consent  of  the  council,  one  of  whom  shall  be 
designated  by  the  governor  as  chairman,  to  investigate  the  subject  of  pensions. 
The  commission  shall  be  known  as  the  commission  on  pensions,  and  it  shall 
report  fully  and  in  detail  the  various  systems  under  which  pensions  are  now 
paid  by  the  commonwealth  and  by  the  counties,  cities  and  towns  therein,  and 
to  what  persons  pensions  are  now  being  paid  thereunder  and  the  amounts 
thereof.  The  commission  shall  report  upon  the  advisability  of  a  service- 
pension  plan  under  which  the  persons  to  whom  pensions  are  granted  shall 
make  payments  from  their  salaries  or  wages,  or  shall  consent  to  deductions 
therefrom,  as  contributions  to  the  fund  from  which  pensions  are  to  be  paid, 
or  any  other  plan  which  the  commission  may  approve.  The  commission 
shall  also  consider  the  case  of  persons  now  receiving  pensions  who  are  engaged 
in  other  employment,  and  shall  also  report  upon  the  advisability  of  a  general 
pension  system  for  old  age  or  other  disability,  and  may  report  a  plan  or 
plans  for  such  a  system.  The  commission  shall  give  public  hearings  and 
shall  be  allowed  for  its  compensation  and  expenses  such  sums  as  may  be 
approved  by  the  governor  and  council.  The  commission  shall  report  in  print 
on  or  before  January  tenth,  nineteen  hundred  and  fourteen,  and  shall  include 
in  its  report  a  general  bill  or  bills  regulating  the  pensions  to  be  paid  by  the 
commonwealth  and  by  the  counties,  cities  and  towns  therein.  [Approved 
June  4,  1913. 

Subsequently  a  resolve  extending  the  time  for  the  report  of  the 
Commission  on  Pensions  was  introduced,  and  was  approved  on  Jan. 
31,  1914,  as  chapter  5  of  the  Resolves  of  1914,  reading  as  follows:  — 


COMMISSION  ON  PENSIONS.  [Apr. 


Resolved,  That  the  commission  appointed  under"  chapter  one  hundred  and 
six  of  the  resolves  of  the  year  nineteen  hundred  and  thirteen,  to  devise  a  just 
and  comprehensive  system  of  state,  county  and  municipal  pensions,  is  hereby 
authorized  to  continue  its  investigations  and  to  make  its  report  not  later  than 
the  sixteenth  day  of  March  in  the  current  year. 

Pursuant  to  the  directions  of  the  Legislature  His  Excellency  Gov. 
Eugene  K  Foss  appointed,  July  9,  1913,  James  E.  McConnell, 
whom  he  designated  as  chairman,  Magnus  W.  Alexander  and  Henry 
S.  Dennison  as  members  of  the  Commission  on  Pensions. 

The  commission  held  its  first  meeting  on  Aug.  4,  1913,  when  it 
elected  Magnus  W.  Alexander  as  secretary,  outlined  the  scope  of 
its  work,  and  engaged  the  necessary  clerical  and  statistical  assistants 
to  carry  into  effect  the  provisions  of  chapter  106.  Since  that  time 
the  commission  has  held  frequent  executive  sessions  for  the  con- 
sideration of  the  problems  committed  to  it  by  the  General  Court.  In 
addition,  conferences  were  arranged  with  the  heads  of  many  State, 
county  and  municipal  departments,  and  with  other  persons  whose 
opinion  on  the  subject  of  old  age  and  service  pensions  the  commis- 
sion desired  to  obtain.  Hearings  were  given  to  representatives  of 
organizations  who  requested  to  be  heard,  such  as  committees  from 
the  Boston  fire  department,  prison  officers,  probation  officers,  court 
officers,  the  district  police,  overseers  of  the  poor,  county  retirement 
associations,  the  State  normal  school  teachers  and  the  Boston  men 
and  women  teachers.  The  commission,  furthermore,  held  public 
hearings  as  directed  by  the  Legislature.  These  hearings  were  an- 
nounced through  newspaper  advertisements  and  circular  letters,  and 
took  place  at  Boston  (two  hearings),  Worcester,  Springfield,  Fitch- 
burg,  Pittsfield,  Lawrence,  Fall  River  and  New  Bedford,  in  order 
to  enable  citizens  at  large  to  present  their  views  on  the  pension 
problem.  The  commission  feels,  therefore,  that  it  has  used  every 
reasonable  means  for  securing  official  judgment  and  for  testing  pub- 
lic sentiment  on  the  questions  at  issue. 

The  Legislature  imposed  upon  the  commission  definite  duties,  aside 
from  that  of  giving  public  hearings,  by  providing  in  the  resolve  that 
the  commission  shall  — 

(a)  Report  fully  and  in  detail  the  various  systems  under  which  pensions 
are  now  paid  by  the  Commonwealth  and  by  the  counties,  cities  and  towns 
therein,  and  to  what  persons  pensions  are  now  being  paid  thereunder  and 
the  amounts  thereof. 


1914.]  HOUSE  — No.  2450.  5 

(b)  Also   consider  the  case  of  persons  now  receiving  pensions  who  are 
engaged  in  other  employment. 

(c)  Report  upon  the  advisability  of  a  service-pension  plan  under  which 
the  persons  to  whom  pensions  are  granted  shall  make  payments  from  their 
salaries  or  wages,  or  shall  consent  to  deductions  therefrom  as  contributions 
to  the  fund  from  which  pensions  are  to  be  paid,  or  any  other  plan  which 
the  commission  may  approve. 

(d)  Also  report  upon  the  advisability  of  a  general  pension  system  for  old 
age  or  other  disability. 

(e)  And  include  in  its  report  a  general  bill  or  bills  regulating  the  pensions 
to  be  paid  by  the  Commonwealth  and  by  the  counties,  cities  and  towns  therein. 

Obviously,  the  first  two  duties  required  statistical  investigation, 
and  the  third  and  fourth  demanded  consideration  of  a  contributory 
service-pension  plan  and  of  a  general  pension  system  for  old  age 
and  other  disability,  while  the  fifth  duty  imposed  upon  the  com- 
mission the  task  of  expressing  its  recommendations  in  the  form  of 
a  bill  or  bills,  to  be  submitted  to  the  General  Court, 

The  commission's  report  is  made  in  response  to  these  require- 
ments ;  in  its  main  provisions  it  deals  with :  — 

(a)  The  method  and  results  of  the  statistical  investigation  under- 
taken by  the  commission  at  the  request  of  the  Legislature  and  at 
its  own  volition. 

(&)  An  investigation  of  some  of  the  present  pensions  laws  as  to 
their  financial  soundness  and  probable  future  cost. 

(c)  A  condensed  description  of  the  various  pension  systems  now 
in  effect  in  the  Commonwealth,  and  a  synopsis  of  the  principal  pen- 
sion systems  for  public  employees  in  all  States  of  the  Union. 

(d)  A  consideration  of   a  general  pension   system  for   superan- 
nuated persons  and  of  a  specific  phase  that  relates  to  public  employees. 

(e)  The  submission  of  four  proposed  acts,  as  the  commission's 
answer  to  the  duty  laid  upon  it  by  the  Legislature,  to  "  include  in 
its  report  a  general  bill  or  bills  regulating  the  pensions  to  be  paid 
by  the  commonwealth  and  by  the  counties,  cities  and  towns  therein." 

The  nature  of  the  resolve  and  the  title,  "  A  Kesolve  to  provide  for 
a  commission  to  devise  a  just  and  comprehensive  system  of  State, 
county  and  municipal  pensions,"  indicate  clearly  the  wish  of  the 
Legislature  to  focus  special  attention  on  the  pension  problem  as  it 
affects  public  employees;  the  Legislature  evidently  expected,  also,  to 
receive  recommendations  for  the  e'nactment  of  one  comprehensive 
system  of  pensions  for  all  public  employees. 


6  COMMISSION  ON  PENSIONS.  [Apr. 

The  commission  deemed  it  its  duty,  therefore,  to  devote  the  major 
part  of  its  time  to  a  study  of  the  justification  for,  and  the  proper 
character  of,  pension  legislation  for  public  employees;  it  has,  how- 
ever, given  also  much  thought  to  the  general  question  of  pensions  for 
superannuated  persons.  Its  findings  and  opinion  on  both  these  ques- 
tions are  set  forth  in  chapter  V.  of  this  report. 

STATISTICAL  INVESTIGATIONS. 

The  commission  endeavored  first  to  find  out  how  many  persons 
throughout  the  Commonwealth  were  drawing  pensions  from  the  pub- 
lic treasury,  and  in  what  amounts.  Inasmuch  as  the  officials  of  the 
State,  of  all  counties,  all  cities  and  all  towns  to  whom  letters  of 
inquiry  had  been  sent  forwarded  returns  in  regard  to  pensioners,  or 
stated  that  they  had  no  pensioners  then  on  their  pay  rolls,  the  com- 
mission feels  that  it  has  made  a  complete  investigation  of  this  matter. 
It  wishes  to  express  herewith  to  these  officials  appreciation  for  their 
co-operation.  Full  information  in  regard  to  the  present  pensioners 
of  the  public  service  within  the  Commonwealth  is  given  in  Appendix 
A,  while  a  detailed  description  of  the  statistical  inquiry  appears  in 
chapter  II.  of  this  report. 

The  complete  returns  show  that  on  Aug.  31,  1913,  there  were  1,501 
pensioners  in  the  Commonwealth  who  were  drawing  $721,264.03  in 
annual  pensions.  Of  this  amount  the  city  of  Boston  paid  931  pen- 
sioners at  the  rate  of  $450,955.70  per  annum. 

These  expenditures,  which  must  be  raised  by  taxation,  are  certainly 
large  enough  to  arrest  the  attention  of  every  taxpayer,  so  much  the 
more  since  these  sums  represent  payments  at  or  near  the  bottom  of  a 
rising  scale,  which  will  find  its  level  only  in  the  course  of  years. 
Moreover,  legislation  for  the  payment  of  pensions  to  city  laborers  has 
only  recently  and  partially  become  effective,  and  pension  payments 
to  teachers  throughout  the  State  under  Chapter  832,  Acts  of  1913, 
will  not  become  effective  until  July  1,  1914.  Neither  of  these  classes, 
except  a  small  number  of  laborers,  is  included  in  the  above  figures, 
which  will  grow  materially  as  time  goes  on. 

The  attempt  of  the  commission  to  "  consider  the  case  of  persons 
now  receiving  pensions  who  are  engaged  in  other  employment  "  proved 
somewhat  unsuccessful,  inasmuch  as  pensioners,  to  whom  special  let- 
ters of  inquiry  as  to  their  present  positions  and  wages  were  sent,  in 
many  instances  failed  to  reply.  If  information  of  this  nature  should 


1914.]  HOUSE  — No.  2450.  7 

be  considered  of  particular  value  it  may  have  to  be  obtained  in  future 
by  personal  investigation  or  through  the  established  machinery  of 
the  Commonwealth  at  the  time  of  taking  the  next  census. 

The  commission  pursued  its  statistical  investigation  beyond  that 
strictly  required  by  the  resolve,  because  it  felt  that  additional  in- 
formation would  be  needed  in  a  further  study  of  the  pension  problem. 
The  commission  desired  to  ascertain  the  liability  which  had  already 
been  incurred  under  present  pension  laws,  and  to  estimate  the  prob- 
able cost  of  some  of  the  present  pension  systems  projected  over  a 
period  of  years,  in  order  that  the  citizens  might  have  adequate  knowl- 
edge of  this  financial  obligation  which  they  were  loading  upon  them- 
selves and  their  successors  as  a  part  of  the  public  expense  which  must 
be  borne  by  the  taxpayers.  To  secure  this  valuation  and  cost  esti- 
mate it  became  necessary  to  know  the  number  of  persons  in  each 
branch  of  the  public  service,  their  ages  and  length  of  service,  the 
character  of  their  work  and  their  salaries  or  wages.  Moreover,  the 
number  of  withdrawals  by  resignation,  discharge  and  death  in  each 
branch  of  the  public  service  had  to  be  ascertained,  as  far  back  as 
available  records  would  permit,  in  order  to  plot  for  each  branch  of 
the  service  a  curve  of  past  withdrawals,  and  on  this  basis  to  forecast 
the  tendency  of  the  curve  for  future  withdrawals. 

On  account  of  the  limited  time  allotted  to  the  commission  it  was 
agreed  to  confine  this  inquiry  and  financial  valuation  to  the  most 
important  parts  of  the  public  service,  and  in  particular  to  the  pension 
systems  of  the  city  of  Boston.  Accordingly,  the  necessary  data  were 
obtained  in  respect  to  firemen,  policemen,  teachers  and  public-works 
employees  of  Boston,  and  to  firemen  and  policemen  in  the  public 
service  of  the  remaining  cities  of  the  State.  No  attempt  was  made 
to  extend  the  inquiry  to  the  public  school  teachers  outside  of  Boston, 
inasmuch  as  a  similar  investigation  was  made  by  the  State  Board 
of  Education  as  of  July,  1911,  and  issued  in  January,  1913,  as 
House  Document  1926. 

The  commission  was  anxious  to  secure  the  services  of  a  competent 
actuary  and  recognized  student  of  pension  problems  for  ascertaining 
the  cost  valuation  of  present  and  future  pensions  and  annuities  under 
existing  Massachusetts  laws.  Mr.  Herbert  D.  Brown,  of  the  United 
States  Civil  Service  Commission,  who  had  made  an  extensive  study 
of  the  problem  of  superannuated  government  employees  in  behalf 
of  the  commission  on  economy  and  efficiency  appointed  by  President 


COMMISSION  OX  PENSIONS. 


[Apr. 


Taft,  was  therefore  employed,  and  the  result  of  his  work  is  given  in 
detail  in  chapter  III.  of  this  report. 

The  investigation  deals  with  a  financial  examination  of  pension 
funds  for  policemen,  firemen  and  teachers  of  the  city  of  Boston. 
It  reveals  the  results  that  follow  the  enactment  of  pension  laws  with- 
out adequate  consideration  of  the  probable  future  cost,  and  indicates 
how  the  total  pension  obligations  of  the  Commonwealth  are  rapidly 
accumulating  under  existing  laws. 

For  police  pensions  Boston  paid  the  following  amounts  for  the 
last  ten  years :  - 


1903-04, 
1904-05, 
1905-06, 
1906-07, 
1907-08, 


$114,029  15 

1908-09, 

124,353  21 

1909-10, 

129,825  16 

1910-11, 

128,456  90 

1911-12, 

129,240  31 

1912-13, 

$131,800  18 
133,632  41 
131,271  95 
135,785  51 
139,847  11 


A  reasonable  estimate  for  the  cost  in  1920  can  be  placed  at  $168,- 
000  per  year. 

For  firemen  the  payments  have  been  as  follows :  - 


1903-04, 
1904-05, 
1905-06, 
1906-07, 
1907-08, 


$64,800  29 

1908-09, 

68,130  84 

1909-10, 

69,383  20 

1910-11, 

76,096  79 

1911-12, 

88,479  16 

1912-13, 

$95,759  49 
97,987  10 
102,763  94 
108,601  84 
111,843  37 


A  reasonable  estimate  for  1920  is  $146,000.  Eecent  increases  in 
salaries  have  not  been  included  in  this  estimate. 

Under  the  teachers'  act  of  1908  (the  Permanent  School  Pension 
Fund)  Boston  teachers  may  be  retired  at  sixty-five  years  of  age. 
Those  who  were  annuitants  of  the  Retirement  Fund  when  this  act 
was  passed  are  given  a  pension  of  $180  under  this  act,  but  not  more 
than  60  are  paid  this  pension  at  any  one  time.  The  fund  out  of 
which  these  pensions  are  paid  is  created  by  an  annual  appropriation 
equal  to  5  cents  on  every  $1,000  of  assessed  valuation  of  the  city's 
taxable  property. 

The  excess  revenue  that  accumulated  under  this  appropriation 
during  the  first  years  of  the  fund's  existence  was  intended  to  estab- 
lish a  permanent  fund  for  the  payment  of  pensions  in  future  years. 
That  the  appropriation  was  wholly  inadequate  is  clearly  shown  by 


1914.]  HOUSE  — No.  2450.  9 

the  fact  that  in  every  year  since  the  law  took  effect  the  net  amount 
placed  to  the  credit  of  the  fund  has  decreased,  the  amount  being 
in  1908,  $62,213.01,  and  in  1912  it  dwindled  to  $5,681.66.  In  1913 
the  entire  revenue  from  the  5-cent  tax  was  $876.43  less  than  the 
amount  of  the  pension  payments.  The  investigation  showed  that 
under  normal  load  this  5-cent  tax  should  be  about  25  cents. 

Of  particular  interest  and  importance  is  the  valuation  of  the  as- 
sociation of  the  teachers  of  Boston  established  in  1900.  Under  its 
rules  teachers  are  obliged  to  contribute  $18  per  year  to  a  common 
fund,  out  of  which  are  paid  such  annuities  as,  in  the  judgment  of  the 
trustees,  the  resources  of  the  fund  will  justify.  The  amount  of  each 
of  these  annuities  has  been  $180  since  1904,  but  investigation  proves 
that  this  amount  is  not  justified;  in  fact,  now  the  resources  are  not 
quite  sufficient  to  pay  the  present  annuitants  $180  per  year  as  long 
as  they  may  normally  be  supposed  to  live,  leaving  no  assets  for 
those  who  have  been  contributing  but  are  not  yet  retired. 

An  actuarial  balance  sheet  shows  that  a  deficiency  now  exists  of 
$1,312,687.34.  This  means  that  in  addition  to  its  present  resources, 
consisting  of  the  annual  contributions  of  $18  from  the  present  teach- 
ing force  and  the  fund  now  on  hand,  it  would  require  the  above  sum 
to  meet  the  pensions  of  teachers  now  retired,  and  of  the  present 
active  force,  without  any  account  being  taken  of  future  employees. 

SURVEY  OF  PRESENT  PENSION  LEGISLATION  IN  MASSACHUSETTS. 

Acting  under  instructions  of  the  General  Court,  and  also  for  a 
clearer  comprehension  of  the  pension  problem  as  it  affects  Massachu- 
setts, the  commission  undertook  a  careful  study  of  all  existing  pen- 
sion laws  in  the  Commonwealth,  and  presents  in  chapter  IV.  of  this 
report  a  description  of  these  laws,  together  with  a  brief  statement  of 
their  historical  development. 

The  large  number  and  variety  of  pension  and  retirement  laws  now 
on  the  statute  books  of  Massachusetts,  some  of  which  have  been 
repealed  in  part,  while  others  are  effective  in  full,  are  startling ;  their 
proper  understanding  by  the  beneficiaries  or  the  public  is  possible 
only  after  exhaustive  study.  These  laws  differ  in  features  of  admin- 
istration and  application,  as  well  as  in  fundamental  principles;  in 
some  cases  members  of  the  same  branch  of  the  public  service  come 
under  entirely  different  provisions  for  old-age  incapacity,  as,  for  ex- 


10  COMMISSION  ON  PENSIONS,  [Apr. 

ample,  teachers,  whose  pension  provisions  vary  according  to  whether 
they  are  teaching  in  the  public  schools  of  one  city  or  another,  or  in 
the  normal  schools  of  the  State. 

The  thought  must  immediately  impress  itself  upon  everyone  who 
studies  this  legislation  that  there  should  be  no  necessity  for  such  a 
multiplicity  of  pension  laws  and  such  divergence  of  principal  and 
secondary  features;  and  it  must  be  clear  to  every  one  that  there  is 
a  large  amount  of  duplication  and  consequent  waste  of  time,  energy 
and  money  involved  in  the  administration  of  these  many  and  diver- 
gent laws. 

The  commission  might  have  attempted  to  codify  the  present  pen- 
sion and  retirement  laws,  with  such  changes  in  administrative  fea- 
tures as  would  make  their  management  simpler,  by  substituting  a 
retirement  commissioner  for  the  various  pension  and  retirement 
boards.  The  enactment  of  such  a  codified  law  would  not  have  brought 
the  pension  problem  much  nearer  proper  solution,  nor  established  a 
comprehensive  and  definite  pension  policy  for  the  Commonwealth. 
A  more  complete  revamping  of  existing  pension  legislation  seemed 
necessary. 

In  order  that  the  comparative  extent  of  pension  legislation  in 
Massachusetts  and  in  other  States  of  the  Union  may  readily  be  seen, 
the  commission  presents  in  Appendix  B  a  synopsis  of  such  legisla- 
tion for  public  employees  throughout  the  United  States.  This  in- 
formation is  given  in  tabulated  form  in  regard  to  firemen,  policemen, 
teachers,  judges  and  other  State,  county  and  municipal  employees. 
The  extract  is  based  on  a  study  of  the  pension  laws  of  all  States  of 
the  Union;  it  contains  the  most  important  information  relative  to 
the  support  and  management  of  the  pension  funds,  eligibility  for 
and  extent  of  pension  payments,  and  such  other  data  as  are  of 
especial  interest.  The  same  information  was  obtained  and  tabulated 
for  representative  cities  throughout  the  country.  In  each  case  the 
statute  is  cited,  so  that  it  will  be  convenient  for  those  interested  to 
study  individual  provisions  at  full  length. 


1914.]  HOUSE  — No.  2450.  11 

THE  PENSION  PROBLEM. 

A  pension  implies  the  periodical  payment  of  a  definite  sum  to  aged 
persons.  Such  payment  can  be  defended  only  if  made  for  justifiable 
reasons.  What  are  these  reasons?  Two  arguments  can  be  advanced 
in  favor  of  such  payments,  —  reward  for  service  and  relief  of  need. 

The  commission  believes  that  service  ought  to  be  adequately  paid 
for  at  the  time  when  it  is  rendered,  so  that  no  deferred  payments 
may  interfere  with  the  movability  of  the  employee  by  subjecting  him 
to  financial  loss  when  he  leaves  one  employment  for  another  and 
deprives  himself  of  moneys  admittedly  earned  by  him  but  withheld 
by  his  employer  until  the  end  of  a  long-service  period  which  he  can- 
not now  complete.  Under  the  same  conditions  his  family  would  be 
deprived  of  his  deferred  pay  if  he  should  die  while  in  active  service. 
The  workman's  whole  wage  should  be  paid  in  such  a  way  as  to  leave 
him  perfectly  free  to  better  his  condition  at  any  time. 

If,  on  the  'other  hand,  pension  payments  are  justified  as  relief  of 
need,  they  must  obviously  be  paid  only  to  the  needy  and  in  relation 
to  the  ^extent  of  their  need,  and  not  to  all  people  merely  because  they 
have  reached  a  definite  age. 

The  query  at  once  arises  whether  there  is  any  evidence  of  exten- 
sive need  among  aged  people  in  Massachusetts.  Previous  investiga- 
tions, in  particular  that  of  the  Commission  on  Old-age  Pensions, 
Annuities  and  Insurance  (House  Document  No.  1400  of  June, 
1910),  failed  to  reveal  any  considerable  extent  of  old-age  dependency. 
No  evidence  has  since  been  presented  which  would  alter  the  con- 
clusions reached  at  that  time.  The  commission  recognizes,  however, 
that  need  arising  from  old-age  incapacity  may  exist  to  a  greater 
extent  than  is  indicated  by  evidence  which  it  was  able  to  gather; 
it  is  important,  therefore,  that  the  true  facts  should  be  established 
by  a  thorough  investigation  undertaken  in  connection  with  the  next 
census  of  the  Commonwealth.  To  assume  the  existence  of  a  large 
class  of  aged  dependents  without  substantial  evidence  of  it,  and  to 
legislate  on  the  basis  of  such  assumption  in  advance  of  real  demand 
for  it,  would  be  unjustified.  Such  legislation,  however,  may  become 
necessary  at  some  time  in  the  future,  and  the  Commonwealth  should 
be  prepared  with  the  facts  and  estimates  of  cost  based  upon  them. 

Moreover,  the  importance  of  the  need  arising  from  old  age  relative 
to  other  causes  of  dependency,  like  sickness,  must  be  studied,  so  that 


12  COMMISSION  ON  PENSIONS.  [Apr. 

the  large  cost  of  an  old-age  pension  system  may  not  result  in  deferring 
measures  for  relief  which  might  later  be  found  to  be  vital  to  the 
interests  of  the  Commonwealth. 

But  when  the  need  itself  and  its  importance  have  been  proven  it 
will  still  remain  a  question  whether  that  need  can  be  adequately 
met  by  a  system  of  payments  beginning  only  at  a  fixed  age  and 
approximately  equal  to  all. 

Furthermore,  it  will  be  necessary,  the  commission  believes,  to 
amend  the  constitution  if  the  State  is  to  extend  its  social  legislation 
in  this  direction.  The  general  old-age  pension  is  established  nowhere 
in  this  country,  and  it  is  well-grounded  opinion  that  the  present  form 
of  our  State  constitution  would  prevent  the  payments  of  money 
raised  by  taxation  in  the  form  of  general  old-age  pensions. 

The  preventive  of  old-age  dependency  is  saving,  and  it  is  to  this 
that  the  commission  believes  we  must  look  to  find  a  true  and  sound 
basis  for  systematic  relief.  When  the  time  comes  for  final  considera- 
tion of  general  old-age  annuities  the  valid  plan  will  be  founded  upon 
compulsory  savings  with  assistance  through  administration  and  mini- 
mum guarantees. 

The  problem  presents  a  new  aspect  when  it  is  narrowed  down  to 
its  application  to  employees  in  the  public  service.  The  one  para- 
mount reason  advanced  by  nearly  every  government  official  for  pro- 
viding retirement  allowances  to  public  employees  is  that  the  service 
suffers  severely  from  the  inefficiency  of  the  superannuated  employee 
and  the  blocking  of  proper  advancement  through  the  service  which 
he  causes. 

Humanitarian  motives,  and  the  freedom  of  public  activities  from 
the  pressure  of  competition,  combine  to  make  it  virtually  impossible 
to  retire  those  who  have  become  gradually  inefficient  after  long  service 
without  any  provision  for*  their  old  age.  The  means  of  clearing  the 
public  service  of  the  superannuated  is,  therefore,  justified  if  its 
cost  bears  a  proper  relation  to  the  savings  it  effects.  Under  systems 
of  noncontributory  pensions  to  public  employees  the  cost  is  great. 

Moreover,  continual  demands  do,  and  must  in  the  nature  of  things, 
arise  for  shorter  service  requirements  and  extended  benefits,  while 
counter-demands  can  seldom  be  effective. 

Finally,  as  the  English  experience  so  strikingly  proves,  noncon- 
tributory pensions  inevitably  come  to  be  considered  as  deferred  pay, 
and  tend  to  result  in  holding  down  rates  of  remuneration;  but  de- 


1914.]  HOUSE  — No.  2450.  13 

f erred  pay  also  justifies  demands  for  proportionate  return  upon  death 
or  separation,  and  so  results  in  the  "  gratuities/'  "  compassionate 
allowances  "  and  "  abolition  pensions  "  of  the  English  system.  With- 
out a  basis  in  savings  a  public-service  pension  system  is  unfair  to  the 
employees  and  unfair  to  the  State  itself.  A  more  extended  discussion 
of  this  problem  is  given  in  chapter  V.  of  this  report. 

THE  PROPOSED  MASSACHUSETTS  RETIREMENT  ACT. 

This  act  is  predicated  on  the  theory,  already  alluded  to  in  the 
preceding  pages,  that  it  may  be  considered  advisable  for  the  public 
employer  to  enforce  among  his  employees  the  savings  habit,  to  prevent 
them  from  arriving  at  the  age  of  incapacity  for  further  efficient 
service  in  destitute  circumstances ;  and  that  the  public  employer  would 
be  justified  in  assisting  this  effort  for  saving  both  in  an  administra- 
tive and  a  financial  way,  to  secure  increased  efficiency  in  the  public 
service  by  the  elimination  of  superannuated  employees. 

The  habit  of  saving  is  not  peculiar  to  any  class  of  people ;  it  is 
largely  an  individual  characteristic.  The  proposed  act  is  intended 
to  apply  to  all  public  servants,  who  are  to  save  in  proportion  to  their 
salaries  or  wages.  In  order,  however,  not  to  increase  unnecessarily 
the  financial  burden  of  the  public  employer,  and  also  because  legis- 
lation of  this  kind  should  concern  itself  primarily  with  persons  of 
moderate  or  small  incomes,  to  the  end  that  there  should  be  provision 
in  old  age  for  the  necessities  of  life,  the  proposed  law  does  not  recog- 
nize the  excess  of  any  salaries  or  wages  above  $2,000  per  year. 

Exceptions  to  the  complete  inclusiveness  of  the  law  had,  neverthe- 
less, to  be  made.  Since,  under  the  constitution  of  Massachusetts,  it 
is  doubtful  whether  deduction  can  be  made  from  the  salaries  of  the 
justices  of  the  Supreme  Judicial  Court,  it  became  advisable  to  ex- 
clude the  highest  judiciary  of  the  State  from  the  provisions  of  the 
act.  Were  it  not  for  this  constitutional  limitation  the  commission 
would  have  included  these  justices  within  the  provisions  of  the 
proposed  act ;  all  other  judges  are  included.  In  taking  this  stand 
the  commission  is  not  unmindful  of  the  unique  position  which  the 
justices  of  the  highest  court  of  Massachusetts  occupy  in  the  public 
service.  As  the  court  of  last  appeal  and  the  final  interpreters  of  the 
constitution  they  are  the  guardians  of  the  constitutional  rights  and 
liberties  of  every  citizen  of  the  Commonwealth.  An  error  of  judg- 
jnent  on  the  part  of  the  justice  of  the  Supreme  Judicial  Court  may 


14  COMMISSION  ON  PENSIONS.  [Apr. 

prove  of  more  fundamental  consequence  than  a  mistake  in  thought  or 
action  of  any  other  public  servant.  ISTo  condition  should  therefore 
be  imposed  on  this  service  which  might  operate  against  the  voluntary 
retirement  of  any  member  of  the  highest  judiciary  at  a  time  when 
his  mind  may  begin  to  lose  its  keenness  of  perception  and  clarity  of 
thought,  or  his  physical  condition  may  prevent  him  from  a  complete 
fulfillment  of  the  functions  of  his  high  office. 

It  is  for  this  reason  that  the  commission  proposes  to  retain  the 
present  law  under  which  justices  of  the  Supreme  Judicial  Court  are 
permitted  to  retire.  An  amendment  to  this  law  is  necessary,  how- 
ever, in  order  to  eliminate  the  justices  of  the  Superior  Court  from 
its  provisions.  A  draft  of  the  amended  law  is  presented  in  chapter 
VI.  of  the  report.  But  even  if  justices  of  the  Supreme  Judicial 
Court  could  be  brought  within  the  proposed  retirement  act,  they, 
as  well  as  all  other  judges  of  the  Commonwealth,  would  have  to  be 
exempted  from  the  compulsory  retirement  provision,  since  under  the 
constitution  of  Massachusetts  all  judges  are  appointed  during  good 
behavior.  The  commission  therefore  advocates  including  all  judges, 
except  those  of  the  Supreme  Judicial  Court,  in  the  proposed  act, 
but  without  compulsory  retirement,  in  order  to  establish  equality  of 
treatment  of  all  public  servants  by  the  law  as  far  as  this  can  be  done. 

Elective  officers  and  those  appointed  for  a  definite  term  of  years 
have  also  been  excluded  from  the  proposed  act,  as  the  very  nature 
of  their  temporary  employment  operates  against  the  theory  of  a  re- 
tirement system. 

Finally,  it  was  decided  not  to  impose  the  contemplated  legislation 
on  towns  of  less  than  10,000  population,  for  it  was  realized  that  for 
many  small  towns  with  only  a  few  permanent  public  employees  the 
retirement  law  might  prove  burdensome.  These  towns  are  given  the 
privilege,  however,  of  accepting  the  law  by  affirmative  vote  at  a 
town  meeting.  On  this  basis  298  out  of  320  towns  can  exercise  this 
option.  But  whether  or  not  any  town  accepts  the  retirement  act,  it 
is  provided  that  public  school  teachers  shall  be  considered  employees 
of  the  State  as  far  as  retirement  provisions  are  concerned;  they 
would,  therefore,  be  included  in  the  proposed  legislation.  This  policy 
in  respect  to  the  retirement  of  teachers  has  already  been  adopted  by 
the  Commonwealth  through  the  enactment  of  the  present  retirement 
law  for  teachers,  chapter  832,  Acts  of  1913. 

The  commission  drafted  the  Massachusetts  Retirement  Act  with 


1914.]  HOUSE  — No.  2450.  15 

the  intent  of  applying  it  to  practically  all  public  servants ;  it  is  con- 
vinced that  one  of  the  foundation  stones  on  which  to  build  this  law 
must  be  equality  in  the  treatment  of  all  public  employees. 

The  proposed  act  has  been  made  compulsory  in  its  application. 
Those  who  enter  public  service  after  the  law  is  placed  on  the  statute 
books  are  obliged  to  accept  it  as  a  part  of  their  contract  of  employ- 
ment. Those  already  in  the  service  at  the  time  of  the  passage  of  the 
act  are  given  the  option  to  come  within  the  act  by  not  refusing  its 
acceptance,  or  to  give  notice  that  they  do  not  care  to  come  under 
the  act,  and  therefore  elect  to  leave  the  public  service  within  ninety 
days  from  the  date  of  their  choice.  The  choice  must  be  made  within 
sixty  days  from  the  enactment  of  the  law. 

Experience  everywhere  shows  that  permissive  legislation  of  this 
character  is  ineffectual,  does  not  accomplish  the  purpose  for  which 
it  is  created  and  leaves  the  problem  unsolved.  The  history  of  Massa- 
chusetts pension  legislation  testifies  to  this  effect;  under  it  each 
class  of  public  employees  was  considered  in  the  past  by  itself  and 
usually  by  a  different  Legislature,  and,  in  consequence,  contradictory 
and  inconsistent  provisions  were  written  into  the  pension  laws. 
The  permissive  contributory  retirement  system  for  cities  and  towns, 
chapter  619,  Acts  of  1910,  later  amended  by  chapter  338,  Acts  of 
1911,  has  remained  unaccepted  by  all  cities  and  all  towns  of  the  Com- 
monwealth; this  legislation  failed,  therefore,  in  its  purpose.  When 
in  1912  a  noncontributory  system  of  pensions  for  laborers  of  cities 
and  towns,  chapter  503,  Acts  of  1912,  was  submitted  to  the  voters 
of  each  city  and  town  by  referendum,  10  out  of  33  cities,  and  100 
out  of  320  towns  in  the  Commonwealth  refused  to  accept  it.  A 
noncontributory  pension  law  for  laborers  in  Boston,  which  was  en- 
acted in  1911  as  chapter  413,  and  amended  in  1913  as  chapter  367, 
was  made  effective  in  the  city  of  Boston  through  legislative  action 
and  without  reference  to  the  people  or  the  city  council.  Permissive 
legislation  has  not  only  failed,  therefore,  to  remedy  the  undesirable 
situation  of  the  past,  but  the  introduction  of  99  new  pension  bills 
into  the  Legislature  of  1914,  and  the  character  of  these  bills,  shows 
that  the  hit-and-miss  method  of  dealing  with  the  pension  problem  is 
still  advocated. 

The  commission  is  strongly  of  the  opinion  that  if  the  principles  of 
the  legislation  proposed  in  the  Massachusetts  Eetirement  Act  for 
annuity  payments  to  superannuated  persons  in  the  public  service  are 


16  COMMISSION  ON  PENSIONS.  [Apr. 

correct,  they  should  be  applied  to  all  employees  in  the  public  service 
at  one  and  the  same  time.  By  such  enactment  it  is  hoped  to  prevent 
future  spasmodic  and  narrowly  considered  pension  legislation. 

It  has  already  been  stated  that  the  enactment  of  a  retirement  law 
for  public  servants  is  advocated  for  the  benefit  which  the  public 
service  will  derive  from  the  retirement  of  superannuated  employees. 
At  what  age  retirement  should  take  effect  is  a  question  which  admits 
of  much  argument.  After  all,  the  curve  of  usefulness  is  more  or  less 
peculiar  to  the  characteristics  of  each  employee.  Some  will  reach 
the  zenith  of  usefulness  at  rather  an  early  age,  while  for  others  the 
peak  of  the  curve  will  not  be  reached  until  many  years  later.  Again, 
the  nature  of  the  work  in  some  branches  causes  of  necessity  a  decrease 
in  individual  efficiency  at  an  earlier  age  in  life  and  after  a  shorter 
period  of  service  than  will  be  the  case  in  other  branches  of  public 
employment.  It  would  undoubtedly  be  most  advantageous  to  the 
individual  and  most  beneficial  to  the  public  service  if  each  case  could 
be  treated  entirely  on  its  merit  as  to  the  time  when  the  employee 
should  be  retired.  The  execution  of  such  a  plan  among  a  large  num- 
ber of  employees,  however,  offers  obstacles  which  are  well-nigh  in- 
surmountable. An  average  age  must,  therefore,  be  assumed  at  which 
employees  in  general  may  be  supposed  to  have  passed  the  period  of 
reasonable  usefulness  on  account  of  their  advanced  age. 

The  proposed  act  assumes  sixty-five  as  the  desirable  retirement  age, 
except  in  the  case  of  policemen  and  firemen,  for  whom  this  age  has 
been  set  at  sixty.  There  is  quite  a  universal  agreement  among  all 
who  were  consulted  that  policemen  and  firemen  should  not  be  re- 
quired to  do  active  service  after  the  age  of  sixty.  In  order,  however, 
to  introduce  desirable  flexibility  into  the  schemes,  it  is  provided  that 
upon  reaching  the  age  of  sixty-five  or  sixty,  respectively,  public  em- 
ployees may  continue  in  the  service  by  mutual  agreement  between 
them  and  their  employer,  but  such  retention  shall  be  a  matter  of 
investigation  and  decision  from  year  to  year  and  for  not  more  than 
five  years  in  all.  The  public  service  of  Massachusetts,  if  the  proposed 
act  goes  into  effect,  will  therefore  in  the  future  have  no  employees 
above  the  age  of  seventy,  and  in  the  case  of  policemen  and  firemen 
above  the  age  of  sixty-five,  save  members  of  the  judiciary,  elective 
officers  and  appointees  of  the  Governor,  of  the  mayors  of  cities  and 
the  boards  of  selectmen  of  towns. 

A  retirement  law  calling  for  expenditures  from  the  tax  levy  can- 


1914.]  HOUSE  —  No.  2450.  17 

not  be  defended  unless  it  provides  also  for  compulsory  retirement 
as  the  means  toward  the  attainment  of  increased  efficiency  in  the 
public  service. 

The  proposed  law  is  conceived  as  an  assistant  compulsory  savings 
plan  for  employees.  This  implies  that  employees  are  to  save  money 
by  definite  periodical  contributions,  and  that  the  employer  offers 
his  assistance  in  definite  form,  through  the  payment  of  all  admin- 
istrative expenses  and  by  increasing  at  the  time  of  retirement  of  the 
employee  the  accumulated  contributions  of  the  latter,  in  order  that 
the  combined  amounts  will  purchase  for  the  retired  employee  an  ade- 
quate annuity.  The  commission  aimed  to  make  this  annuity  about 
one-half  the  average  salary  or  wage  of  every  employee,  not  con- 
sidering, as  stated  before,  the  excess  of  any  salary  of  more  than 
$2,000  per  year. 

The  amount  of  annual  contributions  and  the  interest  rate  at  which 
they  are  invested,  the  period  over  which  contributions  are  paid  and 
the  age  of  retirement,  jointly  determine  the  amount  of  annuity. 

The  commission  agreed  upon  a  contribution  of  5  per  cent,  of  the 
salaries  or  wages  of  employees,  and  wrote  this  5  per  cent,  assessment 
into  the  law  in  order  to  avoid  any  inequality  in  the  treatment  of 
employees  in  the  different  branches  of  the  public  service.  It  has, 
however,  limited  the  total  assessments  to  a  period  of  twenty-five  years, 
even  though  the  employee  may  not  yet  have  reached  the  retirement 
age.  This  time-limitation  of  contributions  should  prove  advantageous 
to  employees,  and  especially  to  those  who  enter  the  service  at  an  early 
age,  and  it  should  therefore  tend  to  attract  younger  persons  into  the 
public  service.  The  amount  of  contribution  follows  somewhat  the 
established  practice  in  present  retirement  systems;  moreover,  a  5 
per  cent,  reduction  in  salary  or  wage  does  not  impose  such  burden 
on  any  employee  as  to  deprive  him  of  the  necessaries  of  life. 

As  it  was  the  commission's  aim  to  allow  the  employees  a  high  rate 
of  interest  on  their  contributions,  and  in  any  event  as  much  as  they 
could  get  in  any  savings  bank,  it  was  agreed  to  guarantee  the  funds 
of  the  employees  and  the  appropriations  of  the  employer  at  4  per 
cent,  interest  compounded  semi  annually.  In  order  that  this  rate  of 
interest  might  be  maintained  without  detriment  to  the  safety  of 
the  investment,  it  was  further  agreed  that  all  funds  for  annuity  pur- 
poses should  be  invested  like  those  of  savings  banks,  which,  according 
to  the  report  of  the  Bank  Commissioner,  have  earned  from  4.09  to 


18  COMMISSION  ON  PENSIONS.  [Apr. 

4.89  per  cent,  in  the  last  twenty  years.  The  public  employer  might 
not  always  be  able  to  invest  the  funds  at  more  than  4  per  cent,  com- 
pound interest.  To  allow  employees  a  higher  interest  rate  than  can 
be  earned  by  the  employer  through  the  investment  of  their  funds 
would  constitute  concealed  taxation ;  this  the  commission  was  anxious 
to  avoid. 

With  an  annual  contribution  of  5  per  cent,  for  twenty-five  years, 
invested  at  4  per  cent,  compound  interest,  and  an  equal  sum  then 
added  by  the  employer,  the  employee,  if  he  then  reaches  the  retire- 
ment age  of  sixty-five  and  retires  from  the  service,  would  receive  an 
annuity  of  about  one-half  his  average  wage.  Every  additional  year 
of  service  beyond  twenty-five,  and  every  delayed  year  of  retirement 
after  age  sixty-five  will  materially  increase  the  amount  of  the  an- 
nuity, as  may  be  seen  from  the  following  illustration,  which  is  based 
on  a  salary  of  $1,000  and  the  American  Experience  Mortality  Table, 
with  a  4  per  cent,  investment :  — 

Annual  salary  of  employee, $1,000  00 

Annual  contribution  of  employee, 50  00 

Twenty-five  years  of  service  at  retirement :  — 
Contributions    for    twenty-five    years    at    4    per    cent,    compound 

interest, $2,178  12 

This  amount  doubled  by  appropriation  of  employer,        .        .        .  4,356  25 

Annuity  payable  at  age  sixty, 434  62 

Annuity  payable  at  age  sixty-five, 523  14 

Annuity  payable  at  age  seventy, 651  93 

Thirty  years  of  service  at  retirement :  — 

Contributions  for  twenty-five  years  at  4  per  cent,  compound  in- 
terest,        $2,178  12 

This  amount  doubled  by  appropriation  of  employer,  .  .  .  4,356  25 
This  amount  continued  at  4  per  cent,  compound  interest  for  five 

years, 5,310  26 

Annuity  payable  at  age  sixty, 529  80 

Annuity  payable  at  age  sixty-five, 637  71 

Annuity  payable  at  age  seventy, 794  71 

Thirty-five  years  of  service  at  retirement :  — 
Contributions  for  twenty-five  years  at  4  per  cent,  compound  in- 
terest,   $2,178  12 

This  amount  doubled  by  appropriation  of  employer,  .  .  .  4,356  25 
This  amount  continued  at  4  per  cent,  compound  interest  for  ten 

years,      .                                  6,472  95 

Annuity  payable  at  age  sixty, 645  81 

Annuity  payable  at  age  sixty-five, 777  34 

Annuity  payable  at  age  seventy, 968  71 


1914.]  HOUSE  — No.  2450.  19 

Upon  retirement  the  employee  is  given  the  option  to  claim  the  full 
annuity  which  the  amount  credited  to  his  account  will  purchase,  or 
to  select  a  somewhat  lesser  annuity  on  the  basis  that  if  he  should 
die  before  the  total  annuity  payments  made  to  him  equal  the  total 
moneys  contributed  by  him  at  regular  interest  the  balance  shall  be 
returned  to  his  legal  representatives. 

This  provision  was  inserted  to  permit  a  retiring  employee  to  take 
into  account  the  financial  obligations  which  he  may  have  towards 
members  of  his  family  who  may  survive  him. 

The  proposed  act  provides  that  the  appropriations  which  the  public 
employer  will  have  to  make  on  account  of  his  employees,  when  the 
latter  reach  retirement  age,  should  be  distributed  over  a  period  of 
years,  in  order  not  to  cause  an  undue  increase  in  the  tax  levy  of 
any  one  year.  This  distribution  is  to  be  made  over  the  last  fifteen 
years  of  the  assumed  twenty-five  years  of  service  only,  so  as  to  relieve 
the  public  employer  of  the  burden  of  appropriating  and  later  can- 
celing any  moneys  on  account  of  employees  who  separate  from  the 
service  during  the  first  ten  years  of  employment.  This  appropria- 
tion on  the  part  of  the  employer  is  not  available  to  the  employee 
until  he  becomes  an  annuitant  at  retirement  age,  or  is  retired  sooner 
on  account  of  total  disability,  save  that  in  case  of  death  in  service 
one-half  is  payable  to  the  widow  or  minor  children  of  the  deceased. 
If,  therefore,  an  employee  separates  from  the  service  prior  to  retire- 
ment, the  sum  already  appropriated  011  his  account  by  the  employer 
is  returned  to  the  employer,  who  decreases  the  tax  levy  of  the  follow- 
ing year  by  this  amount. 

The  employee's  contributions,  on  the  other  hand,  are  always  con- 
sidered as  belonging  to  him,  to  be  converted  into  an  annuity  or,  in 
case  of  his  separation  from  the  service  on  account  of  resignation,  dis- 
missal or  death,  to  be  returned  with  accrued  interest  to  him  or  his 
estate.  The  employee's  money  is  invested  for  him  with  absolute 
safety  and  at  a  comparatively  high  rate  of  interest;  the  public  em- 
ployer guarantees  both  the  principal  and  the  interest  of  the  con- 
tributions. 

The  status  of  an  employee  in  reference  to  his  contributions, 
length  of  service  and  annuity  expectation  is  in  no  way  affected 
under  the  proposed  act  by  his  transfer  from  one  to  any  other  branch 
of  employment  within  the  Commonwealth.  He  is  also  enabled  to 
preserve  the  value  of  his  years  of  service  as  a  part  of  the  total  length 


20  COMMISSION  ON  PENSIONS.  [Apr. 

of  service,  if  he  should  withdraw  from  his  employment  after  ten 
years,  by  leaving  his  accumulated  contributions  at  regular  interest 
with  the  employer,  either  to  be  paid  to  him  as  an  annuity  when  he 
reaches  the  age  of  retirement  of  the  class  to  which  he  belonged,  or 
to  be  counted  for  him  when  he  re-enters  public  service. 

The  commission  is  convinced  that  no  provision  for  the  payment 
of  accident  compensation  should  be  included  in  the  proposed  Massa- 
chusetts Eetirement  Act,  in  order  that  the  act  may  be  kept  true 
to  the  purposes  for  which  it  is  created.  In  order,  however,  that 
adequate  disability  and  death  benefits  for  the  consequences  of  in- 
juries received  in  the  service  may  be  allowed,  the  commission  advo- 
cates that  all  public  employees  be  brought  under  the  provisions  of 
chapter  751  of  the  Acts  of  1911,  commonly  known  as  the  Workmen's 
Compensation  Act.  An  exception  is  urged,  however,  in  regard  to 
policemen  and  firemen,  because  of  the  fact  that  they  are  subject 
during  their  active  service  to  extraordinary  risks  which  in  the  nature 
of  their  work  they  must  always  be  ready  to  face  rather  than  to  avoid, 
while  it  is  the  duty  of  every  other  person  to  avoid  danger.  The  com- 
mission has,  therefore,  prepared  "  An  Act  relating  to  payments  to 
policemen  and  firemen  or  their  families  in  case  of  disability  or 
death,"  and  submits  it  for  the  consideration  of  the  General  Court. 
The  proposed  act  is  printed  in  chapter  VI.  of  this  report. 

The  problem  of  how  to  take  care  of  public  employees  with  prior 
service  has  given  the  commission  much  concern.  One  solution  would 
be  to  treat  these  employees  as  liberally  as  those  who  enter  public 
service  after  the  enactment  of  the  proposed  law,  which  should  there- 
fore be  made  retroactive,  and  oblige  the  public  employer  now  to 
appropriate  for  employees  with  prior  service  the  same  amount  that 
he  must  under  the  law  appropriate  in  the  future  for  new  employees. 

As  against  such  procedure  stands  the  great  cost  which  would  at 
once  be  loaded  on  the  present  taxpayers  from  which  the  taxpayer 
would  reap  only  a  small  benefit.  Even  if  this  expenditure  is  ex- 
tended over  a  period  of  years  it  will  substantially  increase  the  tax 
levy  for  those  years. 

The  commission  earnestly  desired  to  adopt  this  method,  yet  it  did 
not  feel  justified  in  ignoring  the  question  of  cost.  It  differentiated, 
therefore,  between  employees  with  prior  services  who  were  already 
enjoying  the  expectation  of  future  pension  benefits  and  those  who  are 
not  at  present  covered  by  pension  legislation. 


1914.]  HOUSE  — No.  2450.  21 

The  former  class  might  claim,  with  some  degree  of  justification, 
that  they  had  remained  in  the  service  and  in  some  instances  refused 
the  opportunity  for  more  remunerative  employment  on  account  of  a 
definite  pension  promise.  Although  the  Legislature  has  no  doubt  full 
legal  authority  for  abrogating  promised  benefits,  the  commission  feels, 
nevertheless,  that  a  moral  obligation  attaches  to  the  issue  which  the 
General  Court  cannot  lightly  cast  aside. 

Employees  not  now  under  pension  laws  cannot  advance  the  claim 
of  a  pension  promise.  By  now  extending  to  the  latter  class  the  bene- 
fits of  a  retirement  act,  and  by  providing  adequate  recognition  of 
prior  service  for  the  present  beneficiaries  of  pension  laws,  the  com- 
missioners believe  that  they  have  dealt  justly  and  sensibly  with  the 
situation  confronting  them. 

Such  prior  service  is  recognized  by  assuring  an  annuity  of  half 
salary  or  wage,  but  not  more  than  $1,000,  to  those  who  at  the  time 
of  the  passage  of  the  proposed  act  have  already  completed  twenty-five 
or  more  years  of  service,  and  by  guaranteeing  a  proportionate  amount 
as  a  minimum  annuity  to  those  with  lesser  service.  Should  the  Gen- 
eral Court,  however,  feel  justified  in  dealing  more  liberally  with  em- 
ployees of  prior  service  who  cannot  now  claim  pension  promises,  the 
commission  has  prepared  tentative  provisions  to  meet  this  situation, 
and  presents  them  as  additions  to  the  proposed  retirement  act. 

The  enactment  of  the  proposed  law  will  automatically  repeal  all 
existing  pension  laws.  In  respect  to  present  contributory  pension 
acts  the  commission  proposes  that  the  moneys  already  contributed  by 
the  employees  shall  be  transferred  to  the  Retirement  Fund  under  the 
new  act. 

An  exception  had  to  be  made,  however,  in  regard  to  the  moneys 
accumulated  by  the  Boston  Teachers'  Retirement  Fund  Association, 
created  by  chapter  237  of  the  Acts  of  1900.  Except  for  the  compul- 
sory feature  of  contributions  this  association  is  of  the  character  of  a 
mutual  benefit  association.  The  commission  felt,  therefore,  that  it 
could  only  recommend  the  removal  by  repeal  of  the  compulsory  fea- 
ture, so  that  Boston  teachers  may  not  be  obliged  hereafter  to  con- 
tribute to  two  retirement  funds.  The  members  of  the  association  will 
have  to  decide  among  themselves  either  to  carry  on  the  association 
on  an  entirely  voluntary  basis,  or  in  what  manner  to  dissolve  the  as- 
sociation and  apportion  the  accumulated  funds.  A  proposed  act  to 
cover  this  matter  is  contained  in  chapter  VI.  of  this  report. 


22  COMMISSION  ON  PENSIONS.  [Apr. 

In  the  same  chapter  are  presented  two  additional  bills,  —  the  one 
to  arrange  for  the  transfer  of  all  funds  of  the  Permanent  School 
Pension  Fund  for  Boston  Teachers  to  the  treasurer  of  the  city  of 
Boston,  to  be  expended  as  the  city  council  may  direct,  and  the  other 
to  make  the  necessary  change  in  chapter  12  of  the  Kevised  Laws, 
dealing  with  taxation  in  the  city  of  Boston,  as  required  by  the  repeal 
of  the  law  establishing  the  above  fund. 

Finally,  arrangements  have  been  made  in  the  proposed  retirement 
act  to  continue  the  payment  of  pensions  to  those  who  are  now  receiv- 
ing them. 

Study  of  the  existing  pension  legislation  in  Massachusetts  has  made 
clear  the  great  need  of  simple  but  effective  management.  To  achieve 
this  result  the  new  retirement  act  calls  for  a  retirement  commissioner 
to  supervise  the  administration  of  the  law.  Although  the  funds  col- 
lected by  the  State  and  each  political  division  therein  from  contribu- 
tions of  the  employees  and  appropriations  of  the  employer  remain  in 
the  custody  of  the  employer,  they  are  subject  to  periodical  exami- 
nation by  the  retirement  commissioner,  and  no  annuity  payments  can 
be  made  from  these  funds  without  first  being  certified  to  by  the  re- 
tirement commissioner. 

The  commission  has  purposely  omitted  stating  the  salary  of  the 
retirement  commissioner  by  law,  and  left  it  to  the  discretion  of  the 
Governor  with  the  consent  of  the  Council,  so  that  the  Governor  would 
be  free  to  select  the  right  man  for  the  place.  It  is  obvious  from  the 
reading  of  the  proposed  act  that  the  successful  introduction  and  the 
smooth  running  of  the  law  will  depend  largely  on  the  capacity  of  the 
retirement  commissioner. 

The  proposed  Massachusetts  Ketirement  Act  is  printed  in  full  in 
chapter  VI.  of  this  report. 

The  pension  legislation  of  Massachusetts  has  grown  from  the  first 
pension  law  of  twenty-five  years  ago,  inspired  by  the  humanitarian 
and  just  impulse  to  protect  the  firemen  and  policemen  against  the 
hazard  of  their  calling,  to  nearly  100  laws  which  are  contradictory, 
unsystematized  and  pregnant  with  unknown  cost.  The  commission 
appreciates  the  opposition  that  will  be  aroused  by  disappointed  ex- 
pectation of  gratuities  from  the  public  treasury,  but  it  also  realizes 
that  the  hour  has  arrived  now,  if  ever,  when  the  pension  policy  of 
the  State  must  be  permanently  established  and  defined  upon  the  basic 
principle  of  equity  and  justice  to  all. 


1914.]  HOUSE  — No.  2450.  23 

The  Legislature  of  1913  asked  this  commission  to  furnish  the  so- 
lution of  one  of  the  most  difficult  problems  of  the  Commonwealth. 
The  bill  submitted  as  the  Massachusetts  Retirement  Act  is  the  answer. 
It  is  the  commission's  best  thought,  aided  by  the  advice  and  wisdom 
of  many  workers  on  this  problem. 

About  100  new  bills  have  been  introduced  this  year  into  the  Legis- 
lature relative  to  pensions.  No  consideration  of  cost,  no  study  of 
principle  involved,  enters  into  the  minds  of  those  who  seek  extension. 
If  the  solution  is  not  furnished  new  pension  legislation  will  compli- 
cate the  situation  year  by  year,  making  future  effort  for  sound 
economic  legislation  well-nigh  hopeless. 

The  bill  submitted  repeals  all  pension  laws  now  on  the  statute 
books  except  that  for  Supreme  Court  justices,  and  confines  within 
limits  of  one  bill  the  whole  pension  system  of  the  Commonwealth. 
Administration  is  unified,  concealed  taxation  is  avoided  and  equality 
is  established  among  all  public  servants.  The  justification  of  an- 
nuities is  based  upon  benefits  to  the  State  and  not  upon  any  right  of 
the  employee  to  a  gratuity  from  the  public  treasury. 

Upon  these  grounds  the  commission  submits  its  report  with  unani- 
mous recommendation  that  the  General  Court  enact  into  law  the  bills 
contained  therein. 


24  COMMISSION  ON  PENSIONS.  [Apr. 


CHAPTER   II . 

STATISTICAL   INVESTIGATIONS. 

Soon  after  its  organization  the  commission  issued  on  Aug.  18, 
1913,  a  circular  letter  of  inquiry,  which  was  sent  to  the  secretary 
of  the  State  Retirement  Association,  to  the  county  commissioners, 
to  the  mayors  of  all  cities  and  to  the  clerks  of  all  towns  in  the  Com- 
monwealth, requesting  the  names,  ages  and  service  periods  of  all 
persons  drawing  pensions  under  existing  laws  on  Aug.  31,  1913, 
with  the  amount  of  their  pension's.  No  letter  of  inquiry  was  sent  to 
the  Teachers'  Retirement  Board,  since  the  law  governing  the  pay- 
ment of  pensions  to  teachers,  chapter  832,  Acts  of  1913,  is  not  to 
become  effective  until  July  1,  1914. 

In  order  to  facilitate  the  obtaining  of  this  information  and  to  se- 
cure replies  in  a  uniform  manner,  special  cards  were  printed  and 
placed  at  the  disposal  of  the  officials  to  whom  the  circular  letters  of 
inquiry  were  sent ;  a  copy  of  such  card  is  printed  below.  Following 
the  practice  of  the  federal  census  department,  a  sample  card  fully 
filled  out  was  enclosed  with  the  letter. 

MASSACHUSETTS  COMMISSION  ON  PENSIONS. 

[Pension  data  required  by  chapter  106,  Resolves  of  1913.] 

City  or  town, 

Name  of  pensioner,1 1  Male  or 

.   (  female. 

Age  when  pensioned, years. 

Date  when  pensioned, 

Amount  of  pension  per  year,  $ 

Occupation  when  pensioned, 

Department  where  last  employed, 

Last  rate  of  wages  or  salary,  $ per 

Length  of  municipal  service, years. 

Cause  of  pension  (old  age  or  disability), Retirement  compulsory  or 

voluntary  ? 

Number  and  chapter  of  law  or  ordinance  under  which  pension  is  paid, 

Is  pensioner  now  employed? Where  and  how? 

1  If  pensioner  is  a  veteran  of  civil  war,  mark  a  V  after  name. 


1914.; 


HOUSE  — No.  2450. 


25 


Officials  of  the  State  and  all  counties,  as  well  as  of  all  cities  and 
all  towns  in  the  Commonwealth,  responded  quite  promptly. 

Of  the  14  counties  of  the  Commonwealth,  9  reported  that  they  were 
then  paying  pensions,  while  5  stated  that  they  did  not  have  pension- 
ers at  that  time. 

Of  the  33  cities  in  the  State,  25  sent  returns  of  pensioners  and  8 
reported  that  they  had  no  pensioners. 

Of  the  320  towns  in  Massachusetts,  15  sent  the  requested  informa- 
tion in  regard  to  pensioners  and  305  notified  the  commission  that 
they  had  no  pensioners. 

The  cards  were  tabulated  as  received,  and  the  number  of  pen- 
sioners and  their  total  pension  payments  were  recorded  for  the  State 
and  for  each  political  division  therein.  In  order  to  eliminate  any 
error  in  the  reports  or  in  the  tabulations,  another  letter  was  sent  to 
each  official  who  had  reported  pensioners,  enclosing  for  his  approval 
the  data  relating  to  his  department.  The  figures  used  in  this  report 
have  been  checked  back,  and  under  the  circumstances  the  commission 
believes  that  it  has  made  an  accurate  and  complete  investigation  of 
the  pensioners  throughout  the  Commonwealth  and  of  the  amount 
paid  to  them. 

The  investigation  showed  that  on  Aug.  31,  1913,  the  following 
amounts  were  payable  annually  by  the  Commonwealth,  and  the  coun- 
ties, cities  and  towns  therein :  — 


Summary  of  Annual  Pension  Payments  in  Massachusetts. 


PAID  BY  — 

To  — 

Amount. 

State 

217  pensioners 

$120  516  46 

38  pensioners 

19,566  36 

25  cities,         
15  towns  

1,208  pensioners 
38  pensioners 

566,826  81 
14,354  40 

Total 

1,501  pensioners 

$721,264  03 

26 


COMMISSION  ON  PENSIONS. 


[Apr. 


Amount  of  Pensions  paid  by  the  State. 


~~" 

Number. 

Amount. 

State  retirement  beneficiaries,         

75 

$22,080  73 

Annuitants,      

35 

9,140  00 

Veterans,           

85 

56,320  73 

Justices  

3 

21,375  00 

Prison  officers,          

13 

8,840  00 

Metropolitan  Park  police,        

5 

2,010  00 

District  police,          

1 

750  00 

Total  

217 

$120,516  46 

Amount  of  Pensions  paid  by  Counties  of  Massachusetts. 


COUNTY. 

Pensioners. 

Prison. 

Others. 

Total. 

Bristol  

3 

$1,556  25 

- 

$1,556  25 

Essex,        

6 

2,275  00 

$420  00 

2,695  00 

Franklin,          

1 

300  00 

- 

300  00 

Hampdeu,        

1 

420  00 

- 

420  00 

Middlesex  

6 

60000 

4,194  43 

4,794  43 

Norfolk,    

3 

- 

780  68 

780  68 

Plymouth, 

1 

360  00 

360  00 

Suffolk,  i  

15 

6,030  00 

1,400  00 

7,430  00 

Worcester,         

2 

1,230  00 

- 

1,230  00 

Total,         

38 

$12,411  25 

$7,155  11 

$19,566  36 

1  The  pensions  of  employees  of  Suffolk  County  are  paid  by  the  city  of  Boston. 


Amount  of  Pensions  paid  by  Cities  of  Massachusetts. 


CITY. 

Pensioners. 

Police. 

Firemen. 

Teachers. 

Others. 

Total. 

Beverly, 

2 

$500  00 

$500  00 

- 

- 

$1,000  00 

Boston, 

931 

145,485  00 

123,141  67 

$78,738  52 

$103,590  51 

450,955  70 

Brockton,     . 

3' 

1,100  00 

- 

- 

252  78 

1,352  78 

Cambridge, 

66 

6,224  50 

- 

13,630  00 

7,951  38 

27,805  88 

Chelsea,       . 

10 

1,639  50 

1,656  00 

520  00 

351  00 

4,166  50 

Everett, 

3 

54600 

- 

654  84 

- 

1,191  84 

Fall  River,  . 

o 

800  00 

- 

- 

- 

800  00 

Fitchburg,   . 

8 

- 

- 

- 

1,857  56 

1,857  56 

Haverhill,    . 

5 

1,000  00 

1,000  50 

- 

325  00 

2,325  50 

1914.] 


HOUSE  — No.  2450. 


27 


Amount  of  Pensions  paid  by  Cities  of  Massachusetts  —  Concluded. 


CITY. 

Pensioners. 

Police. 

Firemen. 

Teachers. 

Others. 

Total. 

Holyoke,      . 

6 

$2,100  00 

$1,200  00 

I 

$3,300  00 

Lowell, 

14 

7,120  24 

- 

- 

$352  13 

7,472  37 

Lynn,  .... 

36 

4,740  76 

3,850  00 

$2,500  00 

3,536  02 

14,626  78 

Maiden, 

7 

- 

2,200  00 

600  00 

425  00 

3,225  00 

Maryborough, 

3 

1,114  68 

- 

- 

- 

1,114  68 

Medford,      . 

2 

1,200  00 

- 

- 

- 

1,200  00 

New  Bedford,      . 

4 

453  44 

- 

- 

1,099  63 

1,553  07 

Newton, 

12 

1,450  00 

- 

- 

979  00 

2,429  00 

Pittsfield,     . 

4 

2,442  00 

- 

- 

- 

2,442  00 

Quincy, 

1 

- 

550  00 

- 

- 

550  00 

Salem, 

18 

753  16 

1,504  20 

- 

3,959  90 

6,217  26 

Somerville, 

19 

4,312  37 

3,050  00 

- 

1,442  01 

8,804  38 

Springfield, 

13 

1,692  00 

1,717  50 

- 

633  36 

4,042  86 

Waltham,     . 

3 

546  00 

- 

- 

972  00 

1,518  00 

Woburn, 

7 

1,372  50 

450  00 

- 

495  00 

2,317  50 

Worcester,    . 

29 

9,018  72 

2,845  00 

- 

2,694  43 

14,558  15 

Total,    . 

1,208 

$195,610  87 

$143,664  87 

$96,634  36 

$130,916  71 

$566,826  81 

Amount  of  Pensions  paid  by  the  City  of  Boston. 


Number. 

Amount. 

Policemen,  
Policemen's  widows  

210 
15 

$141,135  00 

4,350  00 
•    •    •   S&141)  4^*1  00 

Firemen, 

202 

115  041  67 

Firemen's  widows,       

27 

8,100  00 

•     i     •      1oct  141    R7 

School  teachers,  
Public  works  employees,     
Other  employees,         

234 
216 

27 

78,738  52 
88,381  17 
15,209  34 

Total, 

931 

$450  955  70 

Amount  of  Pensions  paid  by  Towns  of  Massachusetts. 


TOWN. 

Pensioners. 

Police. 

Firemen. 

Teachers. 

Others. 

Total. 

Andover, 

1 

- 

- 

- 

$300  00 

$30000 

Arlington,    . 

2 

$550  00 

- 

- 

200  36 

750  36 

Brookline,    . 

12 

1,700  00 

$1,149  00 

$1,487  50 

1,474  00 

5,810  50 

28 


COMMISSION  ON  PENSIONS. 


[Apr. 


Amount  of  Pensions  paid  by  Towns  of  Massachusetts  —  Concluded. 


TOWN. 

Pensioners. 

Police. 

Firemen. 

Teachers. 

Others. 

Total. 

Dalton, 

1 

_ 

- 

$250  00 

- 

$250  00 

Easton, 

1 

- 

- 

- 

$271  44 

271  44 

Ipswich, 

1 

- 

$300  00 

- 

- 

300  00 

Leominster, 

4 

- 

- 

- 

683  04 

683  04 

Marion, 

1 

- 

.    . 

266  00 

- 

266  00 

Milton, 

6 

$1,049  38 

- 

775  00 

442  28 

2,266  66 

Nahant, 

1 

- 

- 

- 

243  00 

243  00 

Norwood,     . 

1 

- 

- 

- 

307  00 

307  00 

Swampscott, 

2 

- 

- 

659  00 

- 

659  00 

Watertown, 

3 

1,115  40 

637  00 

- 

- 

1,752  40 

Wellesley,     . 

1 

- 

- 

300  00 

- 

300  00 

Winchester, 

1 

- 

- 

195  00 

195  00 

Total,    . 

38 

$4,414  78 

$2,086  00 

$3,737  50 

$4,116  12 

$14,354  40 

The  names  of  all  pensioners,  together  with  information  regarding 
their  ages,  length  of  service,  last  employment,  last  wages  or  salary, 
and  amount  of  their  pensions,  appear  in  Appendix  A. 

The  commission  also  endeavored  to  comply  with  the  request  of  the 
Legislature  that  consideration  be  given  to  the  case  of  persons  now 
receiving  pensions  who  are  engaged  in  other  employment.  Although 
the  original  cards  of  inquiry  called  for  specific  information  of  this 
kind,  it  was  found  that  the  question  had  been  ignored  in  most  of 
the  replies,  presumably  on  account  of  lack  of  information  in  the 
possession  of  reporting  officials. 

The  commission  felt,  therefore,  that  the  information  should  be 
secured  directly  from  the  pensioners  themselves,  and  it  accordingly 
sent  a  letter  to  each  pensioner  of  every  city  and  town,  except  Boston, 
requesting  a  reply  to  the  following  questions :  - 


Name, 

City  or  town, 

My  present  employer  is 

My  present  weekly  wage  is 

Before  retirement  I  was  employed  in  the  department  of. 

at  a  weekly  wage  of 

My  annual  pension  is  $..... 


1914.]  HOUSE  —  No.  2450.  29 

For  the  convenience  of  pensioners  a  stamped  return  envelope  was 
enclosed  with  each  letter.  Two  hundred  and  forty-eight  replies  were 
received  from  the  315  pensioners  in  the  cities  and  towns  outside  of 
Boston;  of  these,  14  reported  that  they  were  employed  in  some 
capacity. 

While  it  was  feasible  to  reach  these  pensioners  by  addressing  the 
letters  to  their  home  city  or  town,  a  more  specific  address  was  needed 
for  the  Boston  pensioners.  It  would  have  taken  considerable  time  to 
secure  the  home  addresses  of  the  pensioners  of  the  city  of  Boston,  and 
it  was  decided,  therefore,  to  hand  letters  of  inquiry,  with  stamped 
return  envelopes,  to  these  pensioners  when  they  appeared  at  the  city 
treasurer's  office  for  their  monthly  pension  allowance.  Of  the  454 
pensioners  in  the  Boston  police  and  fire  departments  375  were  reached 
in  this  manner,  and  from  these  250  replies  were  received  according 
to  which  30  pensioners  of  the  Boston  fire  department  and  8  of  the 
Boston  police  department  were  engaged  in  other  employment. 

E"o  further  efforts  were  made  in  this  direction,  for  the  commission 
felt  that  it  would  have  to  depend  entirely  upon  such  information  as 
might  be  volunteered,  without  any  means  of  checking  the  accuracy 
or  completeness  of  the  information. 

The  commission  deemed  it  inadvisable,  therefore,  to  print  in  de- 
tail the  meager  data  which  it  had  obtained,  inasmuch  as  it  was  not 
in  a  position  to  ascertain  and  print  the  names,  positions  and  incomes 
of  all  pensioners  throughout  the  State  who  were  engaged  in  other 
employment.  Personal  solicitation  might  bring  the  desired  informa- 
tion should  such  investigation  again  be  undertaken. 

It  was  shown,  however,  even  from  the  few  records  on  hand,  that 
several  pensioners  who  had  been  retired  from  the  service  as  super- 
annuated were  receiving  substantial  incomes  —  in  one  instance 
$1,248  per  year,  and  in  several  cases  $1,200  per  year — :from  some 
source  of  employment  in  addition  to  substantial  pensions  from  the 
cities  or  towns.  Some  pensioners  in  one  city  or  town  rendered  paid 
service  in  another  city  or  town  or  in  the  service  of  the  federal  govern- 
ment. 

The  comparatively  large  amounts  of  pension  payments  to  which 
public  employers,  and  in  particular  the  city  of  Boston,  were  already 
obligated,  stimulated  the  commission  to  inquire  into  the  probable 
future  cost  of  these  obligations  under  present  pension  laws.  To  this 
end  a  census  had  to  be  taken  of  the  active  force  in  those  public 


30  COMMISSION  ON  PENSIONS.  [Apr. 

employments  throughout  the  State  which  were  now  covered  by  pen- 
sion legislation.  The  number  of  employees  in  each  service,  their  ages, 
length  of  employment  and  salaries  or  wages  had  to  be  ascertained. 
In  addition  it  became  necessary  to  know  how  many  employees  in  each 
service  had  died  or  withdrawn  by  resignation  or  discharge,  and  at 
what  age  and  employment  period  they  had  separated  from  the  service. 
Letters  were  sent,  therefore,  to  the  mayors  of  all  cities  requesting  this 
information  relative  to  police  and  firemen.  As  the  information  was 
received  it  was  transferred  to  individual  cards  for  ready  reference. 
According  to  the  returns  1,974  policemen  and  1,648  firemen  were  on 
the  active  force  in  the  32  cities  outside  of  Boston.  In  the  latter  city 
it  was  necessary  for  the  commission  to  secure  the  information  through 
its  own  agents,  who  copied  the  records  in  the  police  and  fire  depart- 
ments onto  cards.  One  thousand  five  hundred  and  fifteen  policemen 
and  993  firemen  in  Boston  were  so  tabulated,  and  the  withdrawals  by 
death  or  resignation  were  obtained  for  each  year  as  far  back  as  1895 
in  the  case  of  police  and  1905  in  the  case  of  firemen.  In  a  similar 
way  information  was  obtained  by  the  commission  relative  to  the 
teachers  and  the  public  works'  employees  in  the  city  of  Boston,  of 
whom  3,005  of  the  first  and  2,119  of  the  latter  class  were  found  to  be 
in  active  service.  It  was  at  first  intended  to  take  also  a  census  of 
all  active  teachers  throughout  the  State,  some  15,000  in  number. 
This  would  have  entailed  considerable  work,  which  seemed  an  un- 
necessary undertaking,  inasmuch  as  a  complete  census  of  all  active 
teachers  in  the  Commonwealth  outside  of  Boston,  which  had  been 
taken  by  the  State  Board  of  Education  as  of  July,  1911,  and  pub- 
lished by  them  in  January,  1913,  was  deemed  by  the  commission  to 
be  sufficient  for  its  purposes. 

The  information  so  collected  was  placed  in  the  hands  of  Mr. 
Herbert  D.'  Brown  of  the  United  States  Civil  Service  Commission 
in  Washington,  who  is  both  an  acknowledged  expert  actuary  and  a 
recognized  student  of  the  pension  problem,  and  who  in  1909  pre- 
pared for  President  Taft's  Commission  on  Efficiency  and  Economy 
a  report  on  pensions  for  United  States  government  employees.  The 
succeeding  chapter  III.  gives  a  detailed  account  of  Mr.  Brown's  work 
in  establishing  a  valuation  for  the  Boston  police,  firemen  and  teach- 
ers' pension  funds.  The  limited  time  available  for  the  work  pre- 
vented an  extension  of  the  investigation  to  other  pension  funds. 


1914.]  HOUSE  — No.  2450.  31 


CHAPTER   III . 

ACTUARIAL  REPOET  ON  BOSTON  PENSION  FUNDS. 

This  chapter  contains  a  detailed  account  of  the  investigation  made 
by  Herbert  D.  Brown  of  Washington,  D.  C.,  in  reference  to  — 

1.  Teachers'  Funds. 

A.  —  The  Permanent  School  Pension  Fund  of  the  City  of 

Boston. 

B.  —  The  Boston  Public  School  Teachers'  Retirement  Fund. 

2.  The  Boston  Police  Pension  Fund. 

3.  The  Boston  Firemen's  Pension  Fund. 

The  commission's  instructions  were  to  ascertain  what  liability 
under  existing  laws  has  been  incurred  by  the  city  of  Boston  in  the 
case  of  each  fund  on  account  of  pensions  promised  to  present  em- 
ployees and  to  those  already  retired  on  pensions. 

It  must  be  stated  here  in  fairness  to  Mr.  Brown  that  the  commis- 
sion could  not  allow  him  more  than  ten  weeks  within  which  to  finish 
this  work,  nor  furnish  him  as  complete  a  statistical  basis  as  a  more 
extended  study  of  the  employments  under  investigation  would  have 
permitted. 

The  data  were  taken  from  city  records  which,  in  many  cases,  had 
not  been  kept  with  a  view  to  furnishing  the  character  of  statistics 
needed  for  accurate  work  of  this  kind.  It  became  necessary,  there- 
fore, to  adopt  in  several  instances  other  experiences  than  those  of  the 
services  investigated  as  a  basis  for  cost  calculation.  Although  this 
method  was  resorted  to  with  reluctance,  it  was  thought  wiser  to  adopt 
the  experience  of  a  similar  service  with  respect  to  mortality  and 
separations  than  to  attempt  to  deduce  rates  from  an  experience  that 
is  known  to  reflect  only  part  of  the  truth. 

In  transmitting  his  report  Mr.  Brown  says :  — 

The  amount  of  liability  incurred  depends,  of  course,  on  the  length 
of  time  the  employees  in  these  various  services  will  live  to  draw 
pensions  after  retiring  from  active  duty.  To  answer  the  question 
asked  it  is  first  necessary,  therefore,  to  ascertain  what  have  been  the 


32  COMMISSION  ON  PENSIONS.  [Apr. 

rates  of  separation  from  the  various  services,  and  especially  the  rates 
of  mortality  among  the  members  of  these  services  before  and  after 
pensioning.  Knowing  the  facts  of  the  past,  those  of  the  future  can 
be  predicted.  It  was  necessary,  therefore,  to  obtain  reliable  data 
concerning  the  members  of  the  different  services  investigated  on  the 
following  points :  — 

1.  The  probable  mortality  experience  of  the  members  while  they 
are  in  active  service. 

2.  The  probable  mortality  experience  of  those  who  retire  on  service 
pension. 

3.  The  probable  mortality  experience  of  those  who  retire  on  dis- 
ability pension. 

4.  The  probable  mortality  experience  of  the  widows  of  policemen 
and  firemen  killed  in  line  of  duty,  since  pension  laws  for  police  and 
firemen  make  provision  for  widows  and  orphans. 

5.  The  probable  number  of  members  who  retire  on  account  of 
disability  and  the  ages  at  which  such  disability  commences. 

6.  The  probable  withdrawal  experience  of  the  members  or  rates  at 
which  they  leave  the  different  services  investigated,  whether  by  vol- 
untary resignation  or  by  compulsory  separation. 

7.  The  probable  withdrawal  experience  of  the  widows  of  police- 
men and  firemen  killed  in  line  of  duty,  or  the  rates  at  which  widow 
pensioners  in  the  police  fund  and  firemen's  fund  forfeit  their  pen- 
sions by  remarriage  or  otherwise. 

8.  The  conjugal  condition  of  the  members  of  the  police  force  and 
the  members  of  the  firemen's  service  at  various  ages  and  the  ages  of 
their  wives. 

9.  The  number  of  orphans  left  by  members  of  the  police  force  and 
firemen's  service,  and  their  ages. 

In  order  to  collect  the  above  facts  in  the  most  serviceable  form 
so  that  they  might  be  tabulated  expeditiously,  it  was  arranged  to 
have  the  information  concerning  each  person  placed  by  itself  on  an 
individual  card.  When  properly  filled  out,  each  card  was  expected 
to  show  the  present  status  of  the  person  whom  it  represented,  whether 
he  is  a  member  of  the  active  force  or  has  left  the  service ;  in  the  latter 
case,  if  he  has  left  on  pension  or  without  a  pension ;  if  on  a  pension, 
whether  it  is  a  regular  service  pension  or  a  disability  pension;  and 
in  case  the  pensioner  is  dead,  whether  the  pension  he  received  was  a 
regular  or  a  disability  pension.  Each  card  was  also  expected  to  show 


1914.]  HOUSE  —  No.  2450.  33 

the  sex,  the  date  of  birth  of  the  member,  the  date  of  entry  into  the 
service,  the  date  of  leaving  the  service  or  of  accepting  a  pension,  the 
cause  of  separation  from  the  service,  the  date  on  which  the  pension 
was  terminated,  and  the  cause  of  the  termination  of  the  pension. 

In  calculating  the  liabilities  of  the  teachers'  funds,  the  experience 
of  the  New  York  teachers  in  regard  to  mortality  and  separations 
from  the  service  was  adopted,  with  slight  modifications  only,  to  cor- 
respond to  the  fact  that  in  New  York  the  male  and  female  lives  were 
segregated,  whereas  in  Boston  the  rates  were  combined  in  order  to 
expedite  the  work.  In  calculating  the  liabilities  of  the  police  fund 
the  experience  of  the  New  York  police  service,  in  regard  to  mortality 
and  separations  from  the  service,  was  adopted,  with  the  exception 
only  of  the  rate  of  disability,  where  the  experience  of  the  two  services 
was  not  comparable.  In  calculating  the  liabilities  of  the  firemen's 
fund  it  was  fortunately  possible  to  deduce  from  the  experience  of  the 
fund  itself  all  the  rates  necessary  for  construction  of  a  service  table 
for  the  active  force;  but  the  rates  for  the  pensioners'  tables  were 
adopted,  like  those  used  in  the  calculation  of  the  liabilities  of  the 
police  fund,  from  the  experience  of  the  New  York  police  service.  In 
the  calculations  for  all  four  funds  salary  scales  were  constructed  from 
the  actual  pay  rolls  of  the  services  investigated. 

The  estimates  submitted  are,  perhaps,  as  significant,  in  a  way,  as 
if  they  had  been  based  on  statistics  complete  in  every  detail.  They 
show  as  clearly  as  need  be  that  the  teachers'  funds,  for  which  ade- 
quate incomes  were  supposed  to  be  provided,  are  heavily  insolvent. 
It  is  possible,  also,  that  the  obligations  for  pensions  to  police  and  fire- 
men are  considerably  heavier  than  it  was  expected  they  would  be  at 
the  time  that  the  plans  for  these  pension  systems  were  adopted. 
Every  debatable  point  in  the  calculations  has  been  decided  with  a 
view  to  keeping  the  estimate  of  liabilities  as  low  as  possible.  The 
results,  therefore,  understate  rather  than  overstate  the  liabilities. 


34  COMMISSION  ON  PENSIONS.  [Apr. 


1.     TEACHERS'    FUNDS. 

Teachers  are  retired  from  service  in  the  city  of  Boston  under  the 
provisions  of  two  different  acts  of  the  Legislature,  —  chapter  237, 
Acts  of  1900,  providing  for  the  Boston  Teachers'  Retirement  Fund 
Association,  and  chapter  589,  Acts  of  1908,  creating  the  Permanent 
School  Pension  Fund. 

The  first  plan,  familiarly  known  as  "  the  $180  fund,"  is  compul- 
sory on  all  new  entrants  after  the  passage  of  the  act,  while  teachers 
already  in  service  were  given  the  option  to  accept  the  act.  The 
fund  is  maintained  by  contributions  of  the  teachers  who  are  mem- 
bers, each  being  required  by  law  to  contribute  $18  each  year  during 
the  entire  teaching  period.  After  teaching  thirty  years  the  teacher 
is  then  entitled  to  such  annuity  as  the  fund  will  allow  and  the  board 
of  trustees  determines.  Since  1904  the  annuity  paid  has  been  $180, 
but  the  board  of  trustees  has  the  right  to  reduce  the  amount.  Under 
all  circumstances,  however,  the  annuity  allowed  must  be  uniform  in 
amount.  In  case  of  disability  the  teacher  is  also  entitled  to  retire 
on  an  annuity,  provided  he  has  taught  not  less  than  two  years.  If 
the  annual  deductions  from  the  salary  have  not  amounted  to  the  sum 
of  $540  when  he  seeks  to  retire,  he  must  pay  the  balance  before  he 
can  become  an  annuitant  of  the  Retirement  Fund;  or  the  board  of 
trustees  at  its  discretion  may  make  such  annuity  payable  in  monthly 
installments  as,  in  its  opinion,  the  needs  of  the  teacher  require. 
Furthermore,  if  he  resigns  after  contributing  two  years  or  more,  one- 
half  of  his  total  contributions  is  refunded  to  him  upon  request. 

The  law  provides  that  the  resources  of  the  fund  shall  include,  be- 
sides the  contributions  of  the  teachers,  two  other  items:  (1)  an  en- 
dowment or  permanent  fund  composed  of  gifts  and  legacies  specifi- 
cally given  for  that  purpose,  to  which  is  added  a  sum  set  apart  by 
the  board  of  trustees,  and  (2)  a  general  fund  or  treasury  made  up 
also  of  gifts  and  legacies,  but  exclusive  of  those  that  are  specifically 
given  to  the  endowment  fund,  and  in  addition  the  interest  accumu- 
lated on  what  has  been  called  the  endowment  or  permanent  fund. 
The  only  gift  so  far  received  to  help  constitute  an  endowment  fund 
is  a  gift  of  $900. 

According  to  the  information  secured  by  the  commission,  the 
number  who  elected  to  become  contributors  and  beneficiaries  of  the 


1914.]  HOUSE  — No.  2450.  35 

act  was  1,256.  Since  the  act  was  passed,  2,424  have  automatically, 
as  new  entrants  into  the  service,  come  under  the  provisions  of  the 
act,  making  a  total  since  1900  of  3,680  teachers.  Of  these,  1,071 
have  died,  resigned  or  become  annuitants,  leaving  2,609  contributing 
to  the  fund  on  Sept.  30,  1913,  the  date  of  the  statement.  Between 
Sept.  30,  1913,  and  Jan.  1,  1914,  this  number  was,  according  to  the 
data  given  on  the  cards  furnished  for  the  present  valuation,  increased 
to  2,656. 

The  second  plan,  familiarly  spoken  of  as  "  the  permanent  fund," 
makes  provision  for  the  creation  of  a  fund  from  city  resources.  No 
contribution  is  required  from  the  teachers,  and  all  pensions  are  paid 
out  of  public  funds. 

The  benefits  granted  under  this  law,  whether  service  or  disability 
benefits,  are  based  on  salary  and  length  of  service.  As  first  passed, 
the  law  provided  that  no  pension  paid  to  a  teacher  should  exceed 
$180  a  year.  The  purpose  of  the  act  was  that  the  city  should  add  an 
equal  amount  to  the  annuity  which  the  teachers  received  from  their 
own  contributions  to  the  Retirement  Fund.  In  1910  the  law  was 
amended.  The  pension  was  then  increased  from  a  maximum  of 
$180  to  one-third  of  salary  at  the  time  of  retirement,  and,  in  case 
of  retirement  on  account  of  age,  not  less  than  $312  nor  more  than 
$600  a  year. 

The  resources  of  the  fund  are  the  annual  appropriations  of  the 
school  committee  plus  the  interest  which  accrues  on  any  surplus  left 
over  after  the  annual  pension  payments  have  been  made.  It  is  pro- 
vided that  the  annual  appropriations  of  the  school  committee  must 
equal  5  cents  upon  each  $1,000  of  the  assessed  valuation  of  the  tax- 
able property  of  the  city.  In  case  such  appropriation,  together  with 
the  interest  on  the  fund,  is  not  sufficient  to  pay  the  full  amount  of 
pensions,  the  law  provides  that  the  amount  shall  be  applied  pro  rata. 
It  is  also  provided  that  "  in  no  case  nor  in  any  year  shall  the  pension 
of  any  teacher  retired  after  thirty  years'  service  be  less  than  $312." 
The  practical  result  of  this  provision,  of  course,  is  that  if  the  tax  of 
5  cents  on  each  $1,000  of  the  valuation  of  the  city  is  not  sufficient  to 
pay  the  minimum  pension  of  $312,  the  city  must  make  up  the  deficit 
by  direct  appropriation. 

When  the  act  was  amended  in  1910  so  as  to  increase  the  benefits, 
provision  was  also  made  for  the  creation  of  a  "  special "  class  of 
pensioners.  It  was  provided  that  not  less  than  60  persons  who  were 


36  COMMISSION  ON  PENSIONS.  [Apr. 

annuitants  of  the  Retirement  Fund  when  the  pension  act  was  passed 
in  1908,  who  had  taught  thirty  years,  twenty  of  which  were  in  service 
in  Boston,  should  receive  pensions  at  a  rate  of  not  less  than  $180 
a  year.  It  was  provided  then  also  that,  as  deaths  occur  among  the 
annuitants,  other  eligibles  should  be  added  to  this  list  of  "  special " 
pensioners,  until  all  eligibles  have  been  pensioned,  so  that  60  pen- 
sioners should  be  on  this  roll  as  long  as  there  are  persons  eligible. 

Under  these  two  plans  all  teachers  in  the  service  in  1900  who 
elected  to  come  under  the  provisions  of  the  act  passed  at  that  time  are 
beneficiaries  under  both  acts.  They  receive  on  retirement  such  an- 
nuity from  the  Retirement  Fund  as  may  be  granted,  which  up  to  the 
present  time  has  been  $180,  and  in  addition,  if  length  of  service  has 
been  thirty  years  or  more,  an  annual  pension  equal  to  one-third  of  the 
final  salary;  but  if  length  of  service  has  been  less  than  thirty  years, 
then  such  proportion  of  one-third  salary  as  the  number  of  years' 
service  bears  to  thirty  years. 

Taken  together,  these  two  acts  practically  retire  the  teacher  on 
half  salary.  The  average  annual  salary  of  2,041  women  teachers  in 
the  elementary  schools  is  $964.86.  The  annuity  of  $180  from  the 
Retirement  Fund  plus  one-third  salary  makes  a  total  of  annuity  and 
pension  of  $501.62,  or  slightly  more  than  one-half  salary. 

Since  the  obligations  incurred  by  the  city  under  each  act  are  quite 
distinct,  it  is  necessary,  in  making  the  valuation  of  the  city's  liabili- 
ties to  teachers,  to  consider  the  two  funds  separately. 

It  would  be  natural  and  desirable  to  consider  first  the  Boston 
Teachers'  Retirement  Fund,  —  "the  $180  Fund,"  —since  that  was 
the  first  established.  The  cards  for  the  teachers  who  come  under 
the  Permanent  School  Pension  Fund  were  received,  however,  some 
time  before  the  cards  for  the  teachers  who  are  under  the  provision 
of  the  earlier  act.  Since  the  time  allotted  for  the  whole  task  was 
barely  sufficient,  it  was  necessary  to  proceed  first  with  the  valuation 
of  the  fund  which  was  established  last. 


1914.]  HOUSE  — No   2450.  37 

A.  —  THE  PERMANENT  SCHOOL  PENSION  FUND  (CHAPTER  589, 

ACTS  OF  1908). 

The  first  thing  to  consider  in  undertaking  the  valuation  of  a  fund 
is  the  nature  of  the  benefits  that  are  paid  out  of  it.  One-third  of 
the  final  salary  after  thirty  years'  service  is  the  basis  on  which 
pensions  for  all  terms  of  service  are  calculated.  The  benefits  granted 
under  this  fund  are  as  follows :  — 

Regular  Pensions.  —  To  teachers  of  active  service,  aged  65  years 
or  over,  one-ninetieth  of  the  final  salary  for  each  year  of  service,  the 
minimum  pension  to  be  $312  after  thirty  years  of  service  and  the 
maximum  $600  in  all  cases. 

Special  Pensions.  —  To  retired  teachers  who  were  annuitants  of 
the  Teachers'  Retirement  Fund  (the  $180  fund)  when  the  pension 
act  was  passed  in  1908,  a  pension  of  $180.  (Sixty  members,  only, 
allowed  this  privilege  at  any  one  time.) 

Disability  Pensions.  —  To  teachers  of  active  service,  under  age  65, 
one-ninetieth  of  the  final  salary  for  each  year  of  service,  maximum 
$600,  when  incapacitated  for  further  efficient  service. 

NOTE.  —  The  provision  requiring  ten  years  of  service  in  Boston 
has  been  ignored  because  the  statistics  furnished  for  the  valuation 
failed  to  show  what  portion,  if  any,  of  the  teacher's  service  had  been 
rendered  outside  of  Boston. 

It  was  hoped  that  the  cost  to  the  city  of  Boston  of  granting  the 
above  benefits  to  teachers  already  retired  under  the  pension  act  of 
1908,  and  to  teachers  now  in  the  active  service,  might  be  calculated 
on  the  basis  of  the  past  experience  of  the  service  itself.  Time  was 
lacking,  however,  for  careful  compilation  and  verification  of  facts 
from  which  scientific  tables  showing  the  rates  of  mortality,  rates 
of  resignation  and  rates  of  retirement  on  pension  among  Boston 
teachers  in  the  past  might  have  been  constructed.  The  following  is 
a  summary  of  the  information  given  for  the  active  and  retired 
service : — 

In  active  service,  Jan.  1,  1914, 3,005 

Pensioners :  — 

Regular  and  invalid, 174 

Special , 60 

Total, .    3,239 


38 


COMMISSION  ON  PENSIONS. 


[Apr. 


Tn  view  of  the  paucity  of  the  data,  it  was  plainly  inadvisable  to 
attempt  to  make  an  experience  table.  Eates  drawn  from  so  thin  an 
experience  could  clearly  have  no  value  as  the  foundation  of  a  service 
table.  It  was  necessary,  therefore,  to  look  to  the  experience  of  other 
services  for  the  various  basic  rates. 

In  selecting  rates  for  this  valuation  it  was  considered  inadvisable 
to  consider  the  males  and  females  separately.  Time  did  not  permit 
the  extra  work  involved,  in  such  .a  separation.  Then,  too,  since  the 
great  majority  of  Boston  teachers  are  of  one  sex  (females),  such 
segregation  was  not  greatly  important  in  the  calculation.  Finally, 
as  the  pensions  are  paid  entirely  by  the  city,  the  matter  of  equity 
as  between  males  and  females  did  not  have  to  be  considered. 

Rates  of  Mortality. 

For  calculating  the  mortality  of  Boston  teachers  of  the  active 
service  the  rates  given  in  the  British  Offices'  Select  Annuitants'  Mor- 
tality Table  for  females  were  used.  These  rates  were  adopted  be- 
cause they  follow  rather  closely  the  mortality  experience  noted 
among  the  school  teachers  of  New  York  by  Mr.  William  A.  Hutcheson 
in  the  course  of  his  recent  investigation  of  the  condition  of  the  New 
York  City  Teachers'  Retirement  Fund. 

The  rate  of  mortality  adopted  for  members  of  the  active  service, 
compared  with  that  experienced  by  the  males  and  females  of  the 
New  York  service,  is  shown  in  the  following  table :  — 

Rates  of  Mortality  while  in  Active  Service. 


lit 

ttg 

£ 

1 

1 

]A 

2 
1 

EH 

1 

/£ 

H 

I 

AGE. 

British  Offic 
Annuitant 
males). 

'a 
o~ 

Ib 

AGE. 

British  Offic 

Annuitant 
males)  . 

^ 

|l 

New  York 
(Female)  . 

20,  

.00271 

.00128 

.00128 

55,  

.00734 

.00695 

.01040 

25  

.00276 

.00221 

.00227 

60,  

.00935 

.01134 

.01499 

30  

.00287 

.00432 

.00332 

65  

.01392 

.02338 

.02213 

35,  

.00329 

.00585 

.00363 

70  

.02351 

.03600 

.03322 

40,  

.00402 

.00330 

.00438 

75,  

.04002 

.06201 

.05034 

45,  

.00496 

.00257 

.00558 

80  

.06574 

.14447 

.073731 

50  

.00611 

.00451 

.00746 

85,  .    .    .    . 

.095232 

.15861» 

- 

At  age  78. 


2  At  age  84. 


At  age  81. 


1914.] 


HOUSE  — No.  2450. 


39 


No  attempt  was  made  to  construct  from  the  actual  record  of  pen- 
sioners a  mortality  table  for  calculating  the  mortality  of  Boston 
teachers  who  have  already  been  retired,  since  information  was  avail- 
able concerning  less  than  50  deaths.  Instead,  the  English  Life  Table 
No.  3  for  females  was  adopted.  The  death  rate  of  this  table  is  lower 
than  the  rate  found  by  Mr.  Hutcheson  among  New  York  male  teach- 
ers who  have  been  retired  on  service  pensions,  and  a  little  higher  than 
the  rate  which  Mr.  Huteheson  used  for  the  New  York  female  teachers 
retired  on  service  pensions. 

No  separate  rate  was  made  for  service  or  "  regular  "  pensioners 
and  for  invalid  pensioners.  The  two  classes  of  pensioners  were 
treated  as  one,  for  the  reason  that  the  actual  experience  of  the  Bos- 
ton teachers  shows  that  retirement  is  generally  on  the  basis  of  in- 
validity. The  provision  for  retirement  at  age  65  is  practically 
ignored.  The  curve  representing  retirements  shows  in  fact,  at  age 
65,  a  depression  instead  of  the  "  hump  "  that  might  have  been  ex- 
pected. It  was  accordingly  impossible  to  make  a  mortality  rate  for 
two  classes  of  pensioners  when,  in  fact,  the  two  classes  were  indis- 
tinguishable. 

Rates  of  Mortality  among  Pensioners. 


AGE. 

English 
Life  Table 
No.  3 
for  Females. 

NEW  YORK  TEACHERS 
(MALE). 

NEW  YORK  TEACHERS 
(FEMALE). 

Service. 

Invalid. 

Service. 

Invalid. 

20,  

.00860 

- 

- 

- 

- 

25  

.00966 

- 

- 

- 

- 

30,  

.01063 

- 

- 

- 

- 

35  

.01165 

- 

- 

- 

- 

40,  

.01285 

- 

.0313 

- 

.0313 

45  

.01437 

- 

.0382 

- 

.0382 

50  

.01634 

.0207 

.0409 

.0153 

.0409 

55  

.02120 

.0279 

.0423 

.0181 

.0423 

60,  

.02927 

.0400 

.0436 

.0218 

.0436 

65  

.04198 

.0602 

.0602 

.0290 

.0453 

70  

.06247 

.0775 

.0775 

.0436 

.0471 

75  

.09389 

.1085 

.0944 

.0689 

.0689 

80,  

.  13942 

.1661 

.1445 

.1079 

.1079 

85  

.20227 

.2356 

.  2356 

.1652 

.1652 

90,  

.28564 

.4545 

.4546 

.2469 

.2469 

95  

.39338 

1.0000 

1.0000 

.3579 

.3579 

100,  

.53153 

- 

- 

.4984 

.4984 

40  COMMISSION  ON  PENSIONS.  [Apr. 

Rates  of  Separation. 

It  was  necessary,  next,  to  ascertain  the  rates  at  which  Boston  school 
teachers  are  separated  from  the  active  service.  They  can  be  separated 
in  various  ways:  by  death,  by  resignation  and  dismissal,  and  by  re- 
tirement on  a  service  or  invalidity  pension. 

Separation  by  Death. 

As  has  been  explained,  the  rate  at  which  they  are  separated  by 
death  from  the  active  service  has  been  taken  from  the  mortality 
experience  of  the  British  Offices'  Select  Annuitants'  Mortality  Table. 

Separation  by  Resignation  and  Dismissal. 

An  attempt  was  made  to  use  the  data  of  the  Boston  service  as  a 
basis  for  making  rates  of  resignation.  Rough  tables  were  constructed, 
but  the  statistics  were  so  thin  as  to  be  unreliable.  The  number  of 
teachers  under  observation  was  too  small  to  give  approximate  prob- 
abilities even  by  graduation.  It  was  accordingly  decided  to  use  the 
rates  of  resignation  employed  by  Mr.  Hutcheson  in  valuing  the  New 
York  Teachers'  Retirement  Fund,  combining  the  rates  for  New  York 
male  teachers  with  those  for  New  York  female  teachers  into  one  set 
of  rates.  This  was  done  in  the  following  manner:  the  number  of 
male  teachers  in  the  Boston  schools  at  axe  x  was  multiplied  by  Mr. 
Hutcheson's  rate  for  New  York  male  teachers  at  age  x,  and,  similarly, 
the  number  of  female  teachers  in  the  Boston  service  at  age  x  was 
multiplied  by  Mr.  Hutcheson's  rate  for  New  York  female  teachers 
at  age  x.  The  sum  of  these  two  products  was  then  divided  by  the 
total  number  of  people  in  the  service  in  Boston  at  age  x.  This 
was  done  on  the  assumption  that  the  service  in  Boston  to-day  is 
normal  in  respect  to  the  proportion  of  males  and  females  at  various 
ages.  The  rates  thus  produced  were  graduated  into  those  shown  in 
the  table  given  below. 

The  adoption  of  Mr.  Hutcheson's  rates  seems  warranted  by  the 
fact  that  our  scattered  data  check  very  closely  into  his.  The  maxi- 
mum rate  of  resignation  for  the  Boston  teachers  is  slightly  less  than 
the  maximum  rate  of  resignation  for  female  teachers  of  New  York, 
but  this  is  explained  by  the  fact  that  the  tables  for  Boston  teachers 
include  both  male  and  female  teachers,  and  the  rate  of  resignation 


1914.] 


HOUSE  — No.  2450. 


41 


for  women  at  the  marriageable  age,  as  is  well  illustrated  in  Mr. 
Hutcheson's  tables,  is,  roughly  speaking,  twice  that  for  men  of  the 
same  age,  and  hence  it  would  naturally  follow  that  these  tables  for 
Boston  teachers,  which  make  no  distinction  in  the  sex  of  the  teacher, 
show  a  slightly  lower  rate  of  retirement. 

Rates  of  Separation  by  Resignation. 


Ri 

| 

£ 

8 

M 

£ 

£ 

£§, 

A 

•1 

"8  |  • 

H 

J 

"S  £  • 

H 

J 

AGE. 

111 

Is! 

M 
°X. 

Hi 
^1 

AGE. 

Hi 

.161 

"82 

H 

1^1 

*l 

& 

1^1 

n 

&fe 

fc 

6 

£ 

& 

20,  

.0100 

.0110 

.0102 

45,  

.0042 

.0050 

.0027 

25,  

.0558 

.0291 

.0613 

50,  

.0017 

.0029 

.0013 

30  

.0556 

.0216 

.0498 

55  

.0005 

.0014 

.0009 

35,  

.0198 

.0126 

.0218 

60  

.0001 

.0003 

.0005 

40,  

.0090 

.0073 

.0089 

65  

.OOOli 

.0001 

i  At  age  61. 

It  will  be  noted  that  the  rate  terminates  abruptly  at  age  60.  At 
that  age  no  teacher  is  likely  to  resign  from  the  service  to  seek  other 
employment  or  to  marry,  especially  as  she  may  receive  in  five  years 
from  then,  without  effort  or  invalidity  on  her  part,  a  pension  for  the 
rest  of  her  life. 

Separation  by  Retirement  on  Pension. 

The  rate  at  which  teachers  leave  the  active  service  to  become  pen- 
sioners was  next  considered. 

The  statistics  of  the  Boston  fund  were  found  to  be  too  narrow  to 
form  the  basis  of  rates  of  retirement.  It  was  therefore  decided  to  use 
the  rates  deduced  from  the  New  York  experience,  with  such  modifica- 
tions as  were  necessary  to  provide  for  the  greater  range  in  the  ages 
of  retirement  in  Boston.  The  rates  deduced  from  the  New  York 
experience  were  combined  in  the  manner  described  above  in  the  case 
of  resignation  and  dismissal. 


42 


COMMISSION  ON  PENSIONS. 


[Apr. 


Rates  of  Separation  by  Retirement  on  Pension. 


fc.3 

5  C3 

f5 

P 

0)  o3 

11 

11 

rt    Q* 

rt    J> 

*~r  *g 

A  ^ 

A  > 

^ 

I  g 

^d 

^~m 

Is 

11 

AGE. 

ination  o 
<  Teacher 
Female). 

jl 

^     -d 

^X^ 

111 

AGE. 

ination  c 
k  Teacher 
Female) 

^3 

TJ 

III 

111 

|l| 

sll 

1*1 

ill 

oS  c3 

6 

* 

0 

fc 

fc 

20,  . 

55,   . 

.0434 

.0187 

.0633 

25,  . 

_ 

_ 

_ 

60,  

.0790 

0369 

.0924 

30  

.00011 

_ 

_ 

65,   

.1404 

.0732 

.1451 

35,  

.0017 

.00012 

.00023 

70  

.2494 

.1686 

.2223 

40,  . 

.0048 

.0002 

.0029 

75,   

.4331 

.3980 

.5130 

45,   

.0105 

.0007 

.0112 

80  6388 

.6890 

.8320* 

50,  

.0224 

.0051 

.0310 

85  .85765 

.76106 

" 

1  At  age  31.          2  At  age  39.          «  At  age  37.         «  At  age  78.          «  At  age  84.          «  At  age  81.     • 

Summarizing  the  above,  there  follows  a  table  which  shows  the  va- 
rious rates  used  in  the  calculations :  — 


Rates  used. 


RATES  OF  MORTALITY. 

RATES  OP  SEPARATION 

DUE  TO  — 

AGE. 

Active 

Pensioners 

Service 
(British 

(English 
Life  Table 

Resignation. 

Retirement. 

Offices). 

No.  3). 

20,    . 

.00271 

.00860 

.0100 

25,    

.00276 

.00966 

.0558 

_ 

30,    . 

00287 

.01063 

.0556 

.00011 

35,    

.00329 

.01165 

.0198 

.0017 

40  

.00402 

.01285 

.0090 

.0048 

45,    . 

.00496 

.01437 

.0042 

.0105 

50,    . 

.00611 

.01634 

.0017 

.0224 

55  

.00734 

.02120 

.0005 

.0434 

60,    . 

.00935 

.02927 

.0001 

.0790 

65,    

.01392 

.04198 

.1404 

70,    

.02351 

.06247 

_ 

.2494 

75,    . 

.04002 

.09389 

_ 

.4331 

SO,    

.06574 

.  13942 

_ 

.6388 

85,    

.095232 

.20227 

_ 

.8576Z 

90,    . 

_ 

.28564 

_ 

95,    

_ 

.39338 

_ 

_ 

100,  

_ 

.53158 

_ 

_ 

105,  

" 

: 

"" 

~ 

At  age  31. 


2  At  age  84. 


With  these  rates  as  a  basis,  a  service  table  for  the  active  force  of 
the  Boston  Teachers'  Permanent  Fund  was  constructed  as  follows: 
it  was  assumed  that  1,000,000  persons  entered  the  service  at  15,  the 
youngest  age  shown,  and  either  died,  resigned  or  were  pensioned. 
Thus,  of  the  1,000,000  entering  at  age  15,  there  die  before  reaching 


1914.; 


HOUSE  — No.  2450. 


43 


the  age  16,  2,670  (which  is  1,000,000  X  .00267)  ;  there  resign 
1,000,000  X  0,  or  0.  The  total  number  who  leave  at  this  age  is  there- 
fore 2670  +  0  +  0,  leaving  997,330  survivors  at  the  exact  age  of  16. 


Service  Table  —  Active  Force. 


AGE. 

Living 
Teachers. 

SEPARATION. 

Total 
Decre- 
ment. 

Died. 

Rate. 

Re- 
signed. 

Rate. 

Pen- 
sioned. 

Rate. 

15  

1,000,000 

2,670 

.00267 

- 

- 

- 

- 

2,670 

16  

997,330 

2,673 

.00268 

- 

- 

- 

- 

2,673 

17  

994,657 

2,666 

.00268 

- 

- 

- 

- 

2,666 

18  

991,991 

2,659 

.00268 

- 

- 

- 

- 

2,659 

19  

989,332 

2,661 

.00269 

- 

- 

- 

- 

2,661 

20  

986,671 

2,674 

.00271 

9,867 

.0100 

- 

- 

12,541 

21,              .... 

974,130 

2,640 

.00271 

26,691 

.0274 

_ 

_ 

29,331 

22,     

944,799 

2,589 

.00274 

40,059 

.0424 

- 

- 

42,648 

23. 

902,151 

2,472 

.00274 

44,296 

.0491 

_ 

_ 

46,768 

24,     

855,383 

2,344 

.00274 

45,506 

.0532 

- 

- 

47,850 

25,     

807,533 

2,229 

.00276 

45,060 

.0558 

- 

- 

47,289 

26  

760,244 

2,098 

.00276 

43,638 

.0574 

- 

- 

45,736 

27  

714,508 

1,986 

.00278 

41,584 

.0582 

- 

- 

43,570 

28  

670,938 

1,898 

,00283 

39,048 

.0582 

- 

- 

40,946 

29  

629,992 

1,783 

.00283 

36,161 

.0574 

. 

- 

37,944 

30  

592,048 

1,699 

.00287 

32,918 

.0556 

- 

- 

34,617 

31,              .... 

557,431 

1,650 

.00294 

28,986 

.0520 

56 

.0001 

30,692 

32  

526,739 

1,585 

.00301 

22,755 

.0432 

211 

.0004 

24,551 

33  

502,188 

1,557 

.00310 

15,367 

.0306 

502 

.0010 

17,426 

34  

484,762 

1,551 

.00320 

11,586 

.0239 

533 

.0011 

13,670 

35,     

471,092 

1,550 

.00329 

9,328 

.0198 

801 

.0017 

11,679 

36  

459,413 

1,562 

.00340 

4,916 

.0107 

964 

.0021 

7,442 

37,     

451,971 

1,591 

.00352 

6,463 

.0143 

1,220 

.0027 

9,274 

38  

442,697 

1,629 

.00368 

5,445 

.0123 

1,461 

.0033 

8,535 

39  

434,162 

1,667 

.00384 

4,602 

.0106 

1,737 

.0040 

8,006 

40  

426,156 

1,713 

.00402 

3,835 

.0090 

2,046 

.0048 

7,594 

41  

418,562 

1,750 

.00418 

3,265 

.0078 

2,302 

.0055 

7,317 

42  

411,245 

1,797 

.00437 

2,755 

.0067 

2,673 

.0065 

7,225 

43  

404,020 

1,838 

.00455 

2,303 

.0057 

3,192 

.0079 

7,333 

44  

396,687 

1,896 

.00478 

1,944 

.0049 

3,570 

.0090 

7,410 

45,     

389,277 

1,931 

.00496 

1,635 

.0042 

4,087 

.0105 

7,653 

46  

381,624 

1,981 

.00519 

1,336 

.0035 

4,770 

.0125 

8,087 

47  

373,537 

2,025 

.00542 

1,121 

.0030 

5,454 

.0146 

8,600 

44 


COMMISSION  ON  PENSIONS. 


[Apr. 


Service  Table  —  Active  Force  —  Concluded. 


AGE. 

Living 
Teachers 

SEPARATION. 

Total 
Decre- 
ment. 

Died. 

Rate. 

Re- 
signed. 

Rate. 

Pen- 
sioned. 

Rate. 

48,     
49  
50  
MI 

364,937 
355,766 
346,001 
335,549 
324,338 
312,317 
299,390 
285,566 
270,933 
255,420 
239,155 
222,211 
204,623 
186,525 
168,117 
149,564 
131,074 
112,972 
95,538 
79,039 
63,741 
49,944 
37,802 
27,485 
19,003 
12,424 
7,629 
4,358 
2,297 
1,110 
488 
192 
67 
20 
5 
1 

2,055 
2,081 
2,114 
2,117 
2,128 
2,121 
2,117 
2,096 
2,075 
2,038 
1,997 
1,967 
1,913 
1,863 
1,809 
1,739 
1,665 
1,573 
1,471 
1,348 
1,208 
1,054 
889 
720 
555 
403 
275 
174 
102 
54 
26 
11 
4 
1 

.00563 
.00585 
.00611 
.00631 
.00656 
.00679 
.00707 
.00734 
.00766 
.00798 
.00835 
.00885 
.00935 
.00999 
.01076 
.01163 
.01270 
.01392 
.01540 
.01705 
.01895 
.02110 
.02351 
.02620 
.02918 
.03246 
.03610 
.04002 
.04435 
.04904 
.05418 
.05969 
.06574 
.07223 
.07932 
.08694 
.09523 

912 
747 
588 
470 
357 
281 
210 
143 
108 
77 
48 
22 
20 

.0025 
.0021 
.0017 
.0014 
.0011 
.0009 
.0007 
.0005 
.0004 
.0003 
.0002 
.0001 
.0001 

6,204 
6,937 
•     7,750 
8,624 
9,536 
10,525 
11,497 
12,394 
13,330 
14,150 
14,899 
15,599 
16,165 
16,545 
16,744 
16,751 
16,437 
15,861 
15,028 
13,950 
12,589 
11,088 
9,428 
7,762 
6,024 
4,392 
2,996 
1,887 
1,085 
568 
270 
114 
43 
14 
4 

.0170 
.0195 
.0224 
.0257 
.0294 
.0337 
.0384 
.0434 
.0492 
.0554 
.0623 
.0702 
.0790 
.0887 
.0996 
.1120 
.1254 
.1404 
.1573 
.1765 
.1975 
.2220 
.2494 
.2824 
.3170 
.3535 
.3927 
.4331 
.4722 
.5116 
.5528 
.5959 
.6388 
.6824 
.7297 
.7863 
.8576 

9,171 
9,765 
10,452 
11,211 
12,021 
12,927 
13,824 
14,633 
15,513 
16,265 
16,944 
17,588 
18,098 
18,408 
18,553 
18,490 
18,102 
17,434 
16,499 
15,298 
13,797 
12,142 
10,317 
8,482 
6,579 
4,795 
3,271 
2,061 
1,187 
622 
296 
125 
47 
15 
4 
1 

52,     . 

53  
54,     
55  

56,     . 

57  

58  
59,     

60, 

61,     . 

62  
63  
64  
65,     . 

66  
67,     . 

68,     ... 

69, 

70,     . 

71,     . 

72,     . 

73,     . 

74  

75,     . 

76  
77  
78  
79  
80,     
81  
82  
83,     . 

84  

1914.1 


HOUSE  — No.  2450. 


45 


Salary  Scale. 

Since  pensions  payable  under  this  fund  are  based  on  the  amount 
of  the  final  salary,  together  with  length  of  service,  it  was  necessary 
to  make  a  salary  scale  for  the  service;  that  is,  to  determine  the 
average  salary  at  each  age.  This  is  done  by  getting  the  increase  in 
salary  from  age  to  age.  Owing  to  the  fact  that  the  statistics  were 
available  for  only  one  year,  the  salary  scale  constructed  shows  neces- 
sarily only  the  increase  from  age  to  age,  and  does  not  reflect  the 
general  increase  in  the  salaries  of  the  service  as  a  whole.  The 
effect  of  this  limitation  is  to  understate  the  present  value  of  liabilities 
to  prospective  pensioners. 

Salary  Scale. 


AGE. 

Expected 
Average 
Salary. 

AOE. 

Expected 
Average 
Salary. 

20  

$735 

44  

$1,508 

21,     

740 

45  

1,530 

22  

746 

46  

1,550 

23,     

758 

47  

1,566 

24  

780 

48  

1,584 

25,     

808 

49  

1,598 

26,     

840 

50  

1,612 

27,     

884 

51  

1,624 

28,     

930 

52  

1,632 

29,     

982 

53  

1,640 

30,     

1,040 

54  

1,646 

31,     

1,094 

55,     

1,651 

32  

1,122 

56  

1.652 

33,     .         .         .         . 

1,186 

57,     

1,652 

34,     

1,224 

58,     

1,652 

35,     

1,260 

59  

1,652 

36,     

1,296 

60  

1,652 

37  

1,326 

61,     

1,652 

38  

1,356 

62  

1,652 

39  

1,385 

63,     

1,652 

40,     

1,412 

64  

1,652 

41,     

1,439 

65  

1,652 

42,     

1,464 

66  

1,652 

43,     

1,488 

67,     

1,652 

46 


COMMISSION  ON  PENSIONS. 


[Apr. 


Salary  Scale — Concluded. 


AGE. 

Expected 
Average 
Salary. 

AGE. 

Expected 
Average 
Salary. 

68,     

$1,652 

71,     

$1,652 

69,     

1,652 

72,     

1,652 

70,     

1,652 

73,     

1,652 

Monetary  Values. 

Interest  is  assumed  at  4  per  cent,  throughout  these  calculations. 
This  is  somewhat  lower  than  the  rate  now  earned  by  the  teachers' 
funds,  but  it  is  thought  to  be  as  high  as  it  is  safe  to  depend  on  for 
investments  covering  a  long  period  of  years. 


Commutation  Columns. 

The  various  tables  of  rates  having  been  completed,  commutation 
columns  were  compiled  in  the  usual  manner. 

Annuity  Values. 

With  the  help  of  the  commutation  columns,  the  present  value  of 
the  pension  benefit  was  computed. 

This  value  was  applied  directly  to  the  amounts  of  pension  drawn 
by  the  pensioners  at  the  various  ages,  the  result  giving  the  present 
value  of  benefit  that  the  city  has  obligated  itself  to  pay.  On  account 
of  the  great  length  of  the  work  tables,  they  are  not  included  in  this 
report. 

In  the  case  of  the  members  of  the  active  service  the  commutation 
columns  furnished  the  value  of  the  deferred  annuities  to  the  mem- 
bers at  each  age  for  each  of  the  various  lengths  of  service. 

The  amount  of  the  liabilities  assumed  by  the  city  on  behalf  of 
the  members  of  active  force  was  thus  found  to  be  $4,189,967. 

The  calculations  for  estimating  the  accrued  liabilities  —  that  is, 
the  liabilities  assumed  on  behalf  of  those  already  pensioned  —  were 
made  by  multiplying  the  total  pensions  to  persons  at  each  age  by  the 
value  of  an  annuity  of  one  at  that  age. 

The  amount  of  the  liability  assumed  by  the  city  on  behalf  of  its 


1914.] 


HOUSE  — No.  2450. 


47 


"  regular  "  pensioners,  which  in  this  case,  as  explained  above,  include 
both  service  and  invalid  pensioners,  is  shown  by  the  following  table 
to  be  $559,768.99. 

Liability  to  "  Regular  "  Pensioners. 


AGE. 

Number  of  Service 
and  Invalid  Pen- 
sioners. 

Amount  of  Pen- 
sions to  Service 
and  Invalid  Pen- 
sioners. 

Present  Value  of 
Pensions  to  Serv- 
ice and  Invalid 
Pensioners. 

AGE. 

Number  of  Service 
and  Invalid  Pen- 
sioners. 

Amount  of  Pen- 
sions to  Service 
and  Invalid  Pen- 
sioners. 

Present  Value  of 
Pensions  to  Serv- 
ice and  Invalid 
Pensioners. 

36,  . 

1 

$104  00 

$1,739  82 

62,  . 

3 

$1,592  00 

$16,045  77 

37,  . 

- 

- 

- 

63,  . 

5 

2,096  00 

20,467  65 

38,  . 

- 

- 

- 

64,  . 

5 

1,744  00 

16,482  89 

39,  . 

1 

145  60 

2,356  65 

65,  . 

9 

3,184  00 

29,095  71 

40,  . 

- 

- 

- 

66,  . 

5 

1,920  80 

16,954  13 

41,  . 

- 

- 

- 

67,  . 

7 

2,682  00 

22,843  94 

42,  . 

1 

294  00 

4,583  37 

68,  . 

5 

1,760  00 

14,452  24 

43,  . 

1 

240  80 

3,703  07 

69,  . 

8 

2,917  60 

23,076  76 

44,  . 

- 

- 

- 

70,  . 

5 

1,896  00 

14,432  54 

45,  . 

- 

- 

- 

71,  . 

19 

8,631  73 

63,184  26 

46,  . 

2 

538  00 

7,909  35 

72,  . 

9 

3,996  00 

28,107  86 

47,  . 

2 

405  60 

5,865  30 

73,  . 

17 

7,828  00 

52,875  01 

48,  . 

2 

627  06 

8,911  90 

74,  . 

6 

2,056  00 

13,327  61 

49,  . 

- 

- 

- 

75,  . 

9 

3,476  00 

21,612  03 

50,  . 

1 

313  60 

4,293  03 

76,  . 

6 

2,679  20 

15,969  91 

51,  . 

- 

- 

- 

77,  . 

1 

420  00 

2,399  12 

52,  .   . 

- 

- 

- 

78,  . 

7 

2,884  00 

15,781  54 

53,  . 

2 

656  00 

8,419  83 

79,  . 

- 

- 

- 

54,  . 

1 

313  60 

3,929  28 

80,  . 

1 

436  00 

2,187  89 

55,  . 

4 

1,268  53 

15,515  90 

81,  . 

- 

- 

- 

56,  . 

3 

1,028  00 

12,265  07 

82,  . 

3 

1,800  00 

8,278  74 

57,  . 

4 

1,820  00 

21,162  96 

83,  . 

2 

912  00 

4,015  63 

58,  . 

6 

1,984  00 

22,463  84 

84,  .    .   -  . 

- 

- 

- 

59,  . 

2 

508  00 

5,595  37 

85,  . 

- 

- 

- 

60,  . 

6 

1,888  00 

20,209  72 

174 

$67,900  52 

$559,768  99 

61,  . 

3 

890  40 

9,253  30 

It  will  be  remembered  that  there  is,  under  the  provisions  of  the 
amended  act  of  1910,  a  "  special "  group  of  pensioners  among  the 
Boston  teachers,  consisting  of  60  teachers  who  receive  a  uniform 
pension  of  $180  a  year.  These  are  teachers  who  had  taught  .thirty 


48 


COMMISSION  ON  PENSIONS. 


[Apr. 


years,  twenty  of  which  were  in  Boston,  and  who  had  been  retired 
previous  to  the  passage  of  the  pension  act  in  1908,  under  the  pro- 
visions of  the  Public  School  Teachers'  Ketirement  Fund. 

According  to  the  statistics  submitted  there  are  at  this  time  130 
teachers  living  who  are  either  receiving  this  pension  of  $180  a  year 
or  who  may  be  eligible  for  such  a  pension.  In  order  to  determine 
the  total  liability  for  these  pensions  the  cards  representing  these 
eligibles  were  tabulated  according  to  age,  and  the  number  at  each 
age  discounted  by  the  probability  of  living  from  year  to  year  from 
their  present  ages.  The  number  surviving  were  summed  by  years 
until  it  was  found  in  the  ninth  year  (1923)  that  the  total  number  of 
survivors  would  be  reduced  to  60.  Since  the  law  has  been  inter- 
preted to  permit  the  payment  of  this  pension  to  60  persons  only  at 
one  time,  it  is  obvious  that  during  the  next  nine  years  the  annual 
payments  to  these  teachers  will  be  $180  multiplied  by  60,  or  $10,800. 
From  the  ninth  year  on  the  total  cost  was  determined  by  taking  the 
then  present  value  of  an  annuity  of  $180  to  each  of  the  60'  survivors. 
This  cost  is  shown  in  the  following  table  to  be  $89,304.  The  pres- 
ent value  on  Jan.  1,  1914,  of  ea.ch  of  the  nine  equal  annual  payments 
($10,800)  was  found  by  multiplying  $10,800  by  the  present  value 
of  $1  due  in  the  year  of  payment.  The  present  value  on  Jan.  1, 
1914,  of  the  present  value  ($89,304)  in  1923  of  the  annuities  due 
to  the  60  survivors  was  found  by  multiplying  $89,304  by  the  pres- 
ent value  of  $1  due  in  1923.  The  sum  of  these  ten  present  values  is 
shown  in  the  following  table  to  be  $140,632.13. 

Liability  to  "Special"  Pensioners. 


YEAR. 

Annual 
Pay- 
ments. 

V°  of  Col- 
umn 2  on 
Jan.  1,  1914. 

YEAR. 

Annual 
Pay- 
menta. 

V"  of  Col- 
umn 2  on 
Jan.  1,  1914. 

1914,  

$10,800 

$10,384  61 

1920  

$10,800 

$8,207  11 

1915,  

10,800 

9,985  20 

1921,  

10,800 

7,891  45 

1916  

10,800 

9,601  16 

1922,  

10,800 

7,587  94 

1917,  
1918,  

10,800 
10,800 

9,231  88 
8,876  81 

1923,  

89,3041 

60,330  57 

- 

$140,632  13 

1919,  

10,800 

8,535  40 

1  Present  value  in  1923  of  pensions  to  survivors. 


The  total  liability  assumed  by  the  city  of  Boston  in  behalf  of  the 
Permanent  School  Pension  Fund  is  $4,890,368,  or  the  sum  of  the 


1914.1 


HOUSE  — No.  2450. 


49 


present  value  of  the  existing  pensions  ($700,401)  and  the  present 
value  of  prospective  pensions  to  members  of  the  present  active  force 
($4,189,967).  The  item  of  $700,401,  the  present  value  of  existing 
pensions,  is  the  sum  of  the  present  value  of  pensions  to  two  different 
classes  of  pensioners:  (1)  those  retired  regularly  under  the  pro- 
visions of  the  original  act  of  1908,  the  present  value  of  whose  pen- 
sions is  $559,769,  and  (2)  those  retired  under  "special"  provision 
of  the  amended  act  of  1910,  the  present  value  of  whose  pensions 
is  $140,632. 

The  next  pertinent  question  is,  What  assets  has  the  city  with  which 
to  meet  this  liability  ? 

The  act  under  which  the  fund  was  established  in  1908  makes 
a  special  allowance  of  5  cents  upon  each  $1,000  of  the  assessed  valu- 
ation of  the  taxable  property  of  the  city  which  shall  be  appropriated 
annually  for  the  payment  of  pensions  to  school  teachers.  It  was 
thought  that  this  income  would  be  in  excess  of  the  amount  required, 
and  it  was  provided  that  the  balance  should  go  to  increase  the  per- 
manent fund. 

The  amount  of  money  produced  by  this  5-cent  tax  during  the  years 
1908  to  1913,  inclusive,  was  $405,105.37,  as  is  shown  in  the  follow- 
ing table,  while  the  sums  paid  out  in  pensions  amounted  to  $228,- 
751.76.  During  the  first  five  years  of  the  period  the  receipts  of  the 
permanent  fund  exceeded  the  disbursements  by  $177,230.04,  but 
from  the  very  beginning  the  amount  left  as  a  surplus  steadily  de- 
creased until  in  the  sixth  year  (1913)  the  pension  payments  exceeded 
the  income  of  the  fund  by  $876.43. 

Difference  in  Receipts  and  Disbursements  of  Permanent  Fund. 


YEAR. 

Amount 
received  by 
Tax 
Valuation. 

Amount 
paid  in 
Pensions. 

Amount 
paid  to 
Permanent 
Fund. 

1908  

$63,891  51 

$1,678  50 

$62,213  01 

1909                                                                       .... 

65,043  19 

8,075  12 

56,968  07 

1910,         

66,194  65 

26,247  88 

39,946  77 

1911,         

67,770  84 

55,350  31 

12,420  53 

1912,         

70,192  42 

64,510  76 

5,681  66 

1913  

72,012  76 

72,889  19 

—  876  43i 

$405,105  37 

$228,751  76 

- 

1  Deficit.    This  amount  was  taken  from  the  interest  accumulation  on  the  permanent  fund  under 
the  authority  of  a  special  act. 


50  COMMISSION  ON  PENSIONS.  [Apr. 

The  various  sums  received  by  the  permanent  fund  through  the  5- 
ceiit  tax  during  the  first  five  years  amounted  with  interest  to  $193,- 
794.10,  of  which  $188,662.50  was,  on  Jan.  1,  1914,  invested  in 
bonds,  as  shown  by  the  following  memorandum :  — 

Bonds,  par  value :  — 

Boston  &  Maine  R.R.  4V2s,      ....  -      $25,000 

C.,  B.  &  Q.  R.R.  4s,        ...  20,000 
Conn.  River  R.R.  4s, 

Concord  &  Montreal  R.R.  4s,  .        .*        .  25,000 

West  End  St.  Ry.  4V2s,  .        .        .  14,000 

Del.  &  Hudson  R.R.  4s, 14,000 

Boston  &  Albany  R.R.  4s, 30,000 

Old  Colony  R.R.  4s, 30,000 

City  of  Boston  4s, 8,000 

Boston  El.  4V2s,       .        .        .  8,000 

Fitchburg   Railway   4s, 12,000 


$189,000 

In  addition  to  these  bonds  the  fund  had  in  cash  on  Jan.  1,  1914, 
$5,131.60. 

The  only  other  resource  which  the  fund  has  in  addition  to  the 
investments  and  cash  on  hand  shown  above  is  the  income  that  will 
be  derived  from  the  5-cent  tax.  The  amount  of  this  income  will 
depend  entirely  upon  the  future  valuation  of  the  assessable  property 
of  Boston.  Whatever  the  income  from  this  tax  may  be,  there  are  two 
classes  of  teachers  who  have  claims  against  it:  (1)  the  present  pen- 
sioners and  the  prospective  pensioners  of  the  existing  force,  and  (2) 
teachers  who  were  not  in  the  service  on  Jan.  1,  1914,  but  who  have 
entered  since  that  date,  and  teachers  who  will  enter  hereafter. 

The  present  inquiry  is  confined  to  an  examination  of  the  assets 
and  liabilities  of  the  fund  as  it  has  to  do  with  the  first  class,  namely, 
existing  pensioners  and  teachers  of  the  present  force  who  will  be- 
come pensioners;  therefore,  in  considering  the  revenue  from  this 
5-cent  tax,  it  is  necessary  to  consider  only  such  portion  of  it  as 
would  properly  belong  to  this  first  class.  Since  the  purpose  of  this 
investigation  is  to  determine  what  income,  expressed  as  a  per  cent, 
of  the  salaries  of  the  teachers,  would  be  required  to  pay  their  pensions, 
it  is  necessary  to  consider  this  income  in  terms  of  per  cent,  of  the 
salaries  of  the  teachers,  although  it  is  obvious  that  there  is  no  fixed 


1914.] 


HOUSE  — No.  2450. 


51 


relation  between  the  income  that  may  be  derived  from  a  tax  on  the 
assessed  valuation  of  the  property  of  the  city  and  the  pensions  that 
might  be  paid  the  teachers  of  the  public  schools.  The  following  table 
covering  the  six-year  period  during  which  the  fund  has  been  in 
existence  shows  that,  although  the  teachers'  salaries  and  the  revenues 
from  the  tax  have  both  increased,  the  salaries  have  increased  more 
rapidly  than  have  the  revenues.  In  1908  the  income  from  this 
5-cent  tax  amounted  to  2.334  per  cent,  of  the  teachers'  salaries  for 
that  year,  while  in  1913  the  income  amounted  to  only  2.064  per 
cent,  of  the  teachers'  salaries. 


The  Per  Cent,  of  Salary  represented  by  the  Tax  of  5  Cents  on  the  $1,000  of  Assessed 
Valuation  of  Taxable  Property. 


YEAR. 

Teachers' 

Salaries. 

Amount 
received  by 
Tax 
Valuation. 

Per 

Cent. 

1908  

$2,737,288 

$63,891  51 

2.334 

1909  

2,827,468 

65,043  19 

2.300 

1910  
1911, 

2,929,581 
3,080,858 

66,194  65 
67,770  84 

2.260 
2  200 

1912,         

3,172,943 

70,192  42 

2.212 

1913  

3,489,259 

72,012  76 

2.064 

To  just  what  per  cent,  of  salary  this  income  will  ultimately  fall 
is  a  matter  of  conjecture.  It  is  apparent,  of  course,  that  the  per 
cent,  will  never  reach  zero  as  long  as  the  income  is  not  zero  or  the 
salaries  are  not  infinity.  It  is  apparent,  also,  that  the  higher  the 
per  cent,  we  assume  this  income  to  be  of  the  teachers'  salaries,  the 
lower  will  be  the  additional  per  cent,  of  salaries  required  to  pay 
the  pensions.  Since  the  income  from  the  tax  has  represented  each 
year  a  constantly  decreasing  per  cent,  of  the  teachers'  salaries,  — 
from  2.334  in  1908  to  2.064  in  1913, —  it  would  seem  that  the 
probable  future  income  from  this  tax  would  not  be  understated  if  the 
assumption  is  made  that  it  will  equal  a  flat  2  per  cent,  of  the  teachers' 
salaries. 

Taking  this  as  a  basis  for  calculation,  from  the  commutation 
columns  it  was  found  that  the  present  value  of  2  per  cent,  of  the  total 
salaries  of  the  active  force  during  their  remaining  years  of  service 
will  be  $968,479. 


52 


COMMISSION  ON  PENSIONS. 


[Apr. 


To  recapitulate,  then:  the  assets  of  the  fund  are  composed  of  the 
following  three  items :  — 


Invested  funds,  . 
Cash  on  hand,  . 
Present  value  of  5-cent  tax, 


$188.662  50 

5,131  60 

968,479  00 

$1,162,273  10 


The  difference  between  the  liabilities  of  $4,890,368  and  these  assets 
of  $1,162,273.10  is  $3,728,094,90,  which  is  the  deficiency;  that  is, 
the  amount  that  would  have  to  be  added  in  one  cash  sum  on  Jan.  1, 
1914,  to  the  assets  of  the  fund  and  invested  with  the  other  moneys 
of  the  fund  at  4  per  cent,  compound  interest  to  meet  the  obligations 
which  the  city  has  incurred  for  pensions  to  its  present  pensioners 
and  to  future  pensioners  of  the  present  active  force. 

Following  is  the  valuation  balance  sheet  of  Jan.  1,  1914:  - 


Valuation  Balance  Sheet  for  the  Permanent  School  Pension  Fund,  Jan.  1,  191 4. 


DR. 

To  present  value  of  existing  pensions:  — 

Service  and  invalid,  .        $559,769  00 
Special  pensions,  J       .          140,632  00 

CR. 

By  invested  funds,     . 

By  cash  on  hand, 
By  present  value  of  5-cent  tax, 

.     $188,662  50 
5,131  60 
.       968,479  00 

Total  existing  pensions,        .         .   $700,401  00 
To  present  value  of  prospective  pensions:  — 
Members  of  present  active  force,         4,189,967  00 

By  deficiency,    .... 

.    3,728,094  90 

Total,             ....         $4,890,368  00 

Total, 

$4  890  368  00 

1  Granted  under  amended  act  of  1910,  chapter  617. 

If  no  other  provision  is  made,  it  will  be  necessary  each  year  to 
eke  out  the  income  from  the  5-cent  tax  by  using  each  year  (as  was 
done  in  1913)  a  part  of  the  cash  on  hand  and  the  invested  funds. 
When  the  cash  on  hand  and  these  invested  funds  have  been  consumed, 
the  city  must  either  pay  the  amount  of  the  pensions  above  the  amount 
of  the  5-cent  tax  by  direct  appropriation,  as  they  accrue  from  year 
to  year,  or  discontinue  them. 

There  are,  in  fine,  two  ways  in  which  the  city  can  meet  its  obliga- 
tions to  the  existing  pensioners  of  the  Permanent  School  Fund  and 
the  present  members  of  the  active  service  who  will  become  pensioners. 


1914.]  HOUSE  —  No.  2450.  53 

1.  It  can  appropriate  one  cash  sum  of  $3,728,094.90,  investing 
it  at  4  per  cent,  compound  interest. 

2.  It  can  appropriate  the  necessary   amount  directly  each  year 
as  it  comes  due. 


ESTIMATED  COST  BY  YEARS  OF  PENSIONS  TO  PRESENT,  PROSPECTIVE 
AND  FUTURE  PENSIONERS. 

Eequest  was  made  that  the  cost  to  the  city  be  calculated  of  appro- 
priating directly  each  year,  as  it  comes  due,  the  amount  necessary 
to  pay  not  only  pensions  to  existing  pensioners  and  to  present  mem- 
bers of  the  active  force,  but  also  pensions  to  new  entrants  who  will 
ultimately  come  on  the  pension  roll. 

In  calculating  the  cost  of  paying  pensions  to  new  entrants  it  has 
been  assumed  that  the  average  age  of  entrance  into  the  service  will 
remain  24,  that  the  rates  of  decrement  will  be  in  accordance  with 
those  shown  on  the  present  Service  Table,  and  that  the  number, 
amount  of  salaries  and  rate  of  promotion  of  the  teachers  of  Boston 
will  continue  to  be  such  as  to  cost  the  city  annually  $3,613,770,  — 
the  estimated  amount  of  the  pay  roll  for  the  year  1914. 

It  will  be  seen  that  this  cost  by  years  will  start  with  the  cost  of 
pensions  to  existing  pensioners;  will  receive  accessions  each  year, 
due  to  the  fact  that  members  of  the  present  active  force  will  pass  on 
to  the  pension  roll  and  due  to  the  fact,  also,  that,  after  a  time, 
people  who  are  not  now  in  the  service  but  who  will  enter  it  will 
eventually  pass  on  to  the  pension  roll  also.  These  costs  will  continue 
to  increase  until  the  point  is  reached  where  the  -increments  from  the 
active  force  are  equalled  by  the  deaths  among  the  pensioners.  The 
cost  at  that  time  will  be  what  is  called  the  "  normal  load.'7  It  is, 
in  other  words,  the  ultimate  cost  of  maintaining  the  pension  system, 
and  in  this  case,  under  the  assumptions  used  in  these  calculations, 
will  be  12.11  per  cent,  of  the  pay  roll.  To  tell  in  advance  just  when 
this  normal  load  will  be  reached  is  impossible,  since  it  will  depend 
upon  the  growth  of  the  service.  If  the  annual  pay  roll  were  to 
remain  at  $3,613,770,  as  it  is  to-day,  the  normal  load,  or  ultimate 
annual  cost  of  maintaining  the  system,  would  be  $437,700  ($3,613?- 
770  X  12.11  per  cent.),  and  would  be  reached  about  the  year  1973. 

There  were  three  distinct  steps  in  the  calculation  for  ascertaining 


54  COMMISSION  ON  PENSIONS.  [Apr. 

the  ultimate  cost  of  maintaining  the  system:  (1)  First,  the  annual 
cost  of  pensions  to  100  persons  entering  the  service  each  year  at  the 
average  age  of  24  was  computed  by  years  to  the  point  where  the  ulti- 
mate annual  cost  could  be  determined.  This  ultimate  normal  cost  was 
found  to  be  $321,833.  (2)  In  the  second  place,  the  amount  repre- 
sented by  1  per  cent,  of  the  annual  salaries  of  the  aforementioned 
new  entrants  was  ascertained  in  order  that  it  might  be  compared  with 
the  ultimate  annual  cost  of  pensions  to  a  force  composed  of  100  new 
entrants  each  year.  It  was  found  by  multiplying  the  number  of  sur- 
vivors at  each  age,  according  to  the  Service  Table,  by  the  salary  at 
each  age,  and  dividing  by  the  number  of  people  entering  at  the 
average  age.  By  summing  the  column,  1  per  cent,  of  the  annual 
ultimate  salaries  of  a  force  of  100  new  entrants  each  year  was  thus 
found  to  be  $26,572.  The  total  ultimate  pay  roll  of  such  a  force 
would,  therefore,  be  $2,657,184.  (3)  The  third  step  was  to  divide 
the  ultimate  cost  of  pensioning  a  force  of  100  new  entrants  a  year 
(which  is  $321,833)  by  1  per  cent,  of  the  ultimate  annual  pay  roll 
(which  is  $26,572).  The  quotient  of  that  division  is  12.11,  which 
is  the  per  cent,  of  the  ultimate  annual  salary  necessary  to  pay  all 
pensions  due  when  the  cost  of  the  pensions  reaches  its  level. 

The  question  is  to  ascertain  what  annual  sums  will  have  to  be  paid 
before  that  time  arrives  when  the  load  will  represent  12.11  per  cent, 
of  salaries.  The  problem  can  be  stated  in  another  way,  i.e.,  What 
will  be  the  cost  by  years  of  pensions  to  existing  pensioners  ?  What 
will  be  the  cost  by  years  of  pensions  to  those  now  in  the  active 
service  ?  What  will  be  the  cost  by  years  of  pensions  to  new  entrants  ? 
What  will  be  the  sum  of  all  these  costs  by  years  of  pensions  to  all 
these  classes? 

The  cost  by  years  of  pensions  to  existing  pensioners  was  easily 
estimated.  This  calculation  included  the  "  special "  pensioners,  be- 
cause they  will  enter  upon  the  benefits  of  the  fund,  in  accordance 
with  the  provisions  of  the  law  previously  explained,  until,  in  the 
course  of  nine  years,  the  last  survivor  of  this  class  of  eligibles  will 
then  be  an  existing  pensioner.  The  sum  of  the  present  values  of  the 
annual  payments  was  then  checked  against  the  figure  found  by  means 
of  the  commutation  columns. 

The  cost  by  years  and  total  cost  of  pensions  to  future  entrants  was 
obtained  from  data  developed  in  calculating  the  per  cent,  of  salary 
necessary  to  pay  the  total  costs  when  they  shall  have  reached  their 


1914.]  HOUSE  — No.  2450.  55 

normal,  as  explained  above.  Knowing  that  the  total  ultimate  pay 
roll  of  a  force  of  100  new  entrants  each  year  will  be  $2,657,184,  it 
is  easy  to  compute  the  number  of  new  entrants  that  will  be  necessary 
each  year  to  bring  the  pay  roll  up  to  $3,613,770,  the  total  estimated 
pay  roll  of  1914.  The  number  is  136.  Having  this  figure,  the  cost 
by  years  of  pensioning  new  entrants  can  be  obtained.  This  is  a  cal- 
culation of  the  cost  of  pensioning  a  force  of  people  who  will  enter 
the  service  at  the  rate  of  136  a  year,  whose  total  annual  salaries  will 
ultimately  be  $3,613,770,  whose  average  age  of  entrance  into  the 
service  is  24,  and  whose  rates  of  decrement  are  according  to  the 
Service  Table. 

The  first  of  the  new  entrants  will  secure  a  pension  in  about  seven 
years.  The  annual  cost  of  all  pensions,  which  includes  the  cost  of 
pensions  to  all  classes  of  pensioners,  was  carefully  calculated  for 
seven  years,  in  order  to  determine  the  trend  of  a  curve  representing 
these  costs. 

Having  the  annual  ultimate  cost  of  all  pensions  and  the  annual 
cost  of  all  pensions  for  the  first  seven  years,  the  cost  for  the  inter- 
vening years  was  estimated  roughly  with  the  help  of  a  spline.  This 
annual  cost  includes,  of  course,  the  cost  of  pensions  to  existing  pen- 
sioners, to  prospective  pensioners  now  on  the  active  force  and  to  new 
entrants.  The  cost  of  pensions  to  existing  pensioners  and  to  future 
entrants  having  been  calculated,  the  only  cost  to  be  ascertained  was 
the  cost  of  pensions  to  members  of  the  present  active  force.  This  was 
easily  calculated  for  each  year  by  subtracting  from  the  annual  total 
cost  the  sum  of  the  annual  cost  of  pensions  to  the  existing  pensioners 
and  the  annual  cost  of  pensions  to  future  entrants.  The  present 
values  of  the  annual  cost  of  pensions  to  members  of  the  present  active 
force  were  then  found  and  checked  against  the  results  obtained  from 
the  commutation  columns.  Thus  the  approximation  of  the  total  cost 
of  intervening  years  obtained  by  use  of  spline  was  verified  and  found 
to  be  correct. 

The  following  table  gives  the  results  obtained  by  the  above 
processes.  In  the  second  column  is  shown  by  years  the  amount  that 
can  be  collected  through  1  per  cent,  of  the  total  salaries  of  136  per- 
sons who  will  enter  the  service  each  year  at  the  average  age  of  24. 
In  the  third  column  is  shown  by  years  the  cost  of  pensions  to  136 
persons  who  will  enter  the  service  each  year  at  the  average  age  of  24, 
in  other  words,  the  cost  of  pensions  to  future  entrants.  In  the  fourth 


56 


COMMISSION  ON  PENSIONS. 


[Apr. 


column  is  shown  by  years  the  cost  of  pensions  to  existing  pensioners 
and  future  "  special "  pensioners.  In  the  fifth  column  is  shown  by 
years  the  cost  of  pensions  to  members  of  the  present  active  force.  In 
the  sixth  column  is  shown  by  years  the  total  cost  of  pensioning  all 
classes  of  pensioners. 

Boston  Permanent  Fund.  —  Cost  by  Years  of  Pensions   to  Present,  Prospective 

and  Future  Pensioners. 


YKAR. 

Annual 
Amount 
collectable 
through  1 
Per  Cent  of 
the  Total 
Salaries  of 
136  Persons 
entering 
Each  Year 
at  the 
Average  Age 
of  24. 

Annual 
Cost  of 
Pensions  to 
136  Persons 
entering 
Each  Year 
at  the 
Average  Age 
of  24. 

Annual 
Cost  of 
Pensions  to 
Existing 
Pensioners 
and  Future 
"Special" 
Pensioners. 

Annual 
Cost  of 
Pensions 
to  Members 
of  Present 
Active 
Force. 

Total 
Annual 
Cost  of 
Pensions. 

(1) 

'(2) 

(3) 

(4) 

(5) 

(6) 

1914,           

$1,061 

- 

$70,500 

$19,500 

$90,000 

1915  

2,098 

- 

67,400 

38,300 

105,700 

1916,           
1917, 

3,114 
4,118 

- 

64,300 
61,600 

56,400 
73,200 

120,700 
134,800 

1918,           

5,110 

- 

58,500 

88,900 

147,400 

1919  

6,093 

- 

55,000 

103,800 

158,800 

1920,           
1921, 

7,072 
8,042 

$1 

51,500 
47,600 

118,200 
132,399 

169,700 
180,000 

1922,           

8,982 

5 

43,700 

146,295 

190,000 

1923  
1924, 

9,929 
10,872 

19 
44 

40,100 
36,700 

159,381 
170,956 

199,500 
207  700 

1925  

11,816 

90 

33,400 

182,510 

216,000 

1926  

12,762 

163 

30,400 

194,237 

224,800 

1927,           

13,715 

271 

27,700 

204,529 

232,500 

1928,           

14,670 

429 

25,400 

214,271 

240,100 

1929  

15,626 

651 

23,600 

223,449 

247,700 

1930  

16,582 

954 

21,700 

232,346 

255,000 

1931,           

17,540 

1,355 

20,000 

241,045 

262,400 

1932  

18,497 

1,879 

18,500 

249,121 

269,500 

1933  
1934,           

19,453 
20,404 

2,559 
3,425 

17,200 
15,900 

256,541 
263,875 

276,300 
283,200 

1935  

21,351 

4,517 

14,700 

270,783 

290,000 

1936  

22,292 

5,888 

13,600 

277,312 

296,800 

1937  
1938  

23,222 
24,141 

7,593 
9,700 

12,600 
11,700 

282,807 
287,900 

303,000 

OAQ   OAA 

1939 

25,045 

12,277 

10,900 

oqo  100 

oUyto\J\J 
01  c  QAfi 

«V«flJNI 

OlOyOUU 

1914. 


HOUSE— No.  2450. 


57 


Boston  Permanent  Fund,  etc.  —  Continued. 


YEAR. 

Annual 
Amount 
collectible 
through  1 
Per  Cent  of 
the  Total 
Salaries  of 
136  Persons 
entering 
Each  Year 
at  the 
Average  Age 
of  24. 

Annual 
Cost  of 
Pensions  to 
136  Persons 
entering 
Each  Year 
at  the 
Average  Age 
of  24. 

Annual 
Cost  of 
Pensions  to 
existing 
Pensioners 
and  Future 
"Special" 
Pensioners. 

Annual 
Cost  of 
Pensions 
to  Members 
of  Present 
Active 
Force. 

Total 
Annual 
Cost  of 
Pensions. 

(1) 

(2) 

(3) 

(4) 

(5) 

C6) 

1940  

$25,932 

$15,402 

$10,000 

$295,898 

$321,300 

1941  

26,798 

19,161 

9,400 

298,839 

327,400 

1942  

27,640 

23,648 

8,700 

300,752 

333,100 

1943  
1944 

28,454 
29,237 

28,964 
35,216 

8,300 
7,700 

301,736 
301,784 

339,000 
344,700 

1945 

29,987 

42,456 

7,200 

300,344 

350,000 

1946,           

30,699 

50,740 

6,700 

297,860 

355,300 

1947,           
1948,           

31,369 
31,998 

60,109 
70,592 

6,200 
5,750 

294,391 
289,558 

360,700 
365,900 

1949  

32,581 

82,206 

5,400 

283,394 

371,000 

1950  

33,119 

94,956 

5,000 

276,044 

376,000 

1951  
1952 

33,609 
34,050 

108,819 
123,752 

4,700 
4,250 

267,281 
257,398 

380,800 
385,400 

1953  
1954,          

34,443 

34,787 

139,689 
156,526 

4,000 
3,600 

246,311 
234,374 

390,000 
394,500 

1955  

35,084 

174,134 

3,400 

221,266 

398,800 

1956  

35,335 

192,352 

3,000 

206,948 

402,300 

1957  

35,543 

210,999 

2,800 

192,401 

406,200 

1958  

35,710 

229,861 

2,600 

177,539 

410,t)00 

1959  
1960 

35,841 
35,941 

248,718 
267,335 

2,400 

2,250 

162,182 
146,915 

413,300 
416,500 

1961  

36,013 

285,488 

2,000 

131,812 

419,300 

1962  

36,063 

302,951 

1,800 

117,149 

421,900 

1963  

36,095 

319,524 

1,700 

102,976 

424,200 

1964,           

36,115 

335,044 

1,550 

89,706 

426,300 

1965  

36,127 

349,390 

1,400 

78,010 

428,800 

1966  

36,133 

362,486 

1,350 

66,364 

430,200 

1967,           
1968, 

36,136 
36,137 

374,301 
384,837 

1,200 
1,100 

56,499 
47,433 

432,000 
433,400 

1969,           
1970  

36,137 
36,138 

394,127 
402,222 

1,000 
900 

39,673 
32,378 

434,800 
435,500 

1971, 

36,138 

409,190 

800 

26,210 

436,200 

58 


COMMISSION  ON  PENSIONS. 


[Apr. 


Boston  Permanent  Fund,  etc.  —  Concluded. 


YEAR. 

Annual 
Amount 
collectible 
through  1 
Per  Cent  of 
the  Total 
Salaries  of 
136  Persons 
entering 
Each  Year 
at  the 
Average  Age 
of  24. 

Annual 
Cost  of 
Pensions  to 
136  Persons 
entering 
Each  Year 
at  the 
Average  Age 
of  24. 

Annual 
Cost  of 
Pensions  to 
existing 
Pensioners 
and  Future 
"Special" 
Pensioners. 

Annual 
Cost  of 
Pensions 
to  Members 
of  Present 
Active 
Force. 

Total 
Annual 
Cost  of 
Pensions. 

(1) 
1972  
1973, 

(2) 
$36,138 
36  138 

(3) 
$415,109 
420,068 

(4) 
$750 
700 

(5) 
$21,141 
16  932 

(6) 
$437,000 
437  700 

1974, 

424,160 

650 

12,890 

437  700 

1975  
1976, 

- 

427,482 
430  132 

600 
500 

9,618 

7  068 

437,700 
437  700 

1977,          

432,207 

400 

5  193 

437  700 

1978  
1979, 

- 

433,799 
434  993 

300 
200 

3,601 
2  507 

437,700 
437  700 

1980,          

435,868 

100 

1  732 

437  700 

1981,          
1982, 

- 

436,493 
436  927 

50 

1,157 
773 

437,700 
437  700 

1983,           .... 

437,220 

480 

437  700 

1984  

437,411 

289 

437  700 

1985, 

437  532 

168 

437  700 

1986,           .... 

437  605 

95 

437  700 

1987  
1988, 

- 

437,647 
437  671 

- 

53 
29 

437,700 
437  700 

1989,           .... 

437  683 

17 

437  700 

1990,           .        .        . 

437,690 

10 

437  700 

1991, 

437  693 

7 

437  700 

1992, 

437  700 

437  700 

1993  

1994  
1995, 

- 

- 

- 

- 

- 

1996  

1997,           
1998, 

- 

- 

- 

- 

- 

1999  

2000,           

- 

1     - 

- 

- 

- 

The  same  facts  given  in  the  table  and  text  are  represented  graph- 
ically in  the  following  chart :  — 


1914.] 


HOUSE  — No.  2450. 


59 


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60  COMMISSION  ON  PENSIONS.  [Apr. 

B.  —  BOSTON  TEACHERS'  RETIREMENT  FUND  (CHAPTER  237,  ACTS 

OF  1900)  —"THE  $180  FUND." 

The  act  under  which  the  Teachers'  Retirement  Fund  was  estab- 
lished provides  for  the  following  contributions  and  benefits :  - 

Contributions. 

Necessary  for  retirement  on  -annuity  (service  or  invalid)  unless 
relieved  by  board  of  trustees:  $18  a  year  during  entire  service; 
total  contributions  not  less  than  $540. 

Necessary  for  refund  of  half  total  contributions  in  case  of  retire- 
ment without  either  service  or  disability  annuity:  $18  a  year  for 
not  less  than  two  years. 

Benefits. 

Service  Annuity.  —  (a)  The  sum  of  $180  a  year,  granted  upon 
optional  retirement  to  any  teacher  who  has  taught  thirty  years  and 
paid  into  the  fund  at  least  a  total  of  $540. 

(b)  An  amount  to  be  determined  by  the  board,  granted  to  any 
teacher  who  seeks  to  retire  and  is  unable  to  pay  the  full  assessment 
of  $540. 

Disability  Annuity.  —  The  sum  of  $180  a  year,  granted  at  any 
time  after  two  years  to  any  teacher  who  furnishes  certificate  of  in- 
capacity, the  annuity  to  cease  when  incapacity  ceases. 

Refund  of  Contributions.  —  A  refund,  upon  application,  to  any 
teacher  who  has  contributed  two  or  more  years  and  retires  from  the 
service,  the  amount  of  the  refund  to  be  equal  to  one-half  of  the 
amount  paid  into  the  fund. 

There  are  a  few  teachers  in  the  active  service  who  were  employed 
before  1900  and  have  exercised  their  privilege  of  not  coming  on  the 
Retirement  Fund,  but  the  cards  of  the  two  funds  show  that,  for  all 
practical  purposes,  the  personnel  of  this  fund  is  the  same  as  that 
of  the  permanent  fund.  The  members  of  the  permanent  fund  should 
comprise,  therefore,  the  full  teaching  force  of  the  city.  According 
to  the  data  submitted,  the  members  of  that  fund  were  shown,  as  noted 
above  (page  37),  to  be  3,005  active  teachers,  plus  174  regular  and 
invalid  pensioners  and  60  special  pensioners,  or  3,239  in  all. 


1914.]  HOUSE  — No.  2450.  61 

Rates  used  in  the  Calculations. 

Since  the  personnel  of  the  two  funds  is  substantially  the  same,  the 
experience  of  one  service  is  the  experience  of  the  other.  As  noted 
on  page  39,  the  data  in  regard  to  mortality  of  the  members  and 
separations  from  the  service  were  too  scanty  to  warrant  the  deduc- 
tion of  rates.  Suitable  rates  were  accordingly  sought  in  the  ex- 
perience of  similar  services.  The  rate  of  mortality  for  the  active 
service  was  adopted  from  the  British  Offices'  Select  Annuitants' 
Mortality  Table ;  the  rate  of  mortality  for  pensioners  (no  distinction 
was  made  between  service  and  invalid  pensioners)  was  adopted  from 
the  English  Life  Table  No.  3  for  females;  the  rates  of  resignation 
and  dismissal  and  of  retirement  adopted  were  combinations  of  the 
rates  deduced  by  Mr.  Wm.  A.  Hutcheson  from  the  experience  of 
New  York  teachers.  If  these  rates  were  applicable  to  teachers  of 
the  Permanent  School  Fund  they  were  of  course  applicable  to 
teachers  of  the  $180  fund,  since  these  two  bodies  of  teachers  are 
practically  identical. 

The  rates  used  being  identical,  the  service  table  employed  in  the 
calculations  for  the  Permanent  School  Pension  Fund  was  also  used 
in  the  calculations  for  this  fund. 

Since  the  amount  of  the  benefit  allowed  under  the  Retirement 
Fund  is  uniform  and  not  dependent  on  amount  of  salary,  no  salary 
scale  was  constructed. 

Interest  was  assumed  at  the  rate  of  4  per  cent,  throughout  all 
these  calculations. 

The  rates  for  the  calculation  of  the  present  fund  were  the  same 
as  those  for  the  calculation  of  the  Permanent  School  Fund,  and  the 
calculations  were  made  in  a  similar  manner.  The  annuities  in  this 
fund  were,  however,  uniformly  $180,  instead  of  amounts  depending 
on  length  of  service  and  final  salary. 

From  the  commutation  columns  it  was  found  that  the  present 
value  of  the  deferred  annuities  to  the  members  of  the  present  active 
force  is  $1,985,018. 

Liabilities  to  Existing  Pensioners. 

The  liabilities  to  existing  pensioners,  as  will  be  noted  from  the 
following  table,  were  found  by  finding  the  present  value  of  an  an- 
nuity of  $1  to  each  of  the  present  pensioners  at  each  age.  This 


62 


COMMISSION  ON  PENSIONS. 


amount  was  summed,  and  its  total,  $2,232.70,  was  multiplied  by 
$180,  the  amount  of  the  annuity  to  each  of  the  existing  pensioners, 
which  equals  $401,886,  the  present  value  of  existing  pensions. 

Liabilities  to  Existing  Pensioners. 


AGE. 

Number  of  Persons.  1 

>>«  a  c 

fills 

K\ 

31? 

11 
£ 

AGE. 

Number  of  Persons  1 

Value  of  an  Annuity 
of  $1  to  Persons 
shown  in  Column 
(2)  at  Ages  shown 
in  Column  (1). 

Present  Value  of  Ex- 
isting Pensions. 

(1) 

(2) 

(3) 

(4) 

(1) 

(2) 

(3) 

(4) 

92,  . 

1 

$3  0052 

- 

63,  . 

7 

$68  3557 

- 

87,  . 

2 

7  4068 

- 

62,  . 

6 

60  4740 

- 

86,  .    .    . 

1 

3  8659 

- 

61,  . 

6 

62  3538 

- 

85,  . 

1 

4  0365 

- 

60,  . 

5 

53  5215 

- 

84,  . 

5 

21  0775 

- 

59,  . 

4 

44  0580 

- 

83,  . 

2 

8  8062 

- 

58,  . 

3 

33  9675 

- 

82,  . 

1 

4  5993 

- 

57,  . 

8 

93  0240 

- 

81,  . 

1 

4  8043 

- 

55,  . 

7 

85  6198 

- 

80,  . 

7 

35  1267 

- 

54,  . 

2 

25  0592 

- 

79,  . 

9 

47  1663 

- 

53,  .    .    . 

4 

51  3404 

- 

78,  . 

7 

38  3047 

- 

52,  . 

1 

13  1299 

- 

77,  . 

5 

28  5610 

- 

50,  . 

1 

13  6895 

-  • 

76,  . 

10 

59  6070 

- 

49,  . 

2 

27  9104 

- 

75,  . 

13 

80  8275 

- 

48,  . 

2 

28  4244 

- 

74,  . 

9 

58  3407 

- 

47,  . 

2 

28  9216 

- 

73,  . 

16 

108  0736 

- 

46,  . 

1 

14  7014 

- 

72,  . 

17 

119  5780 

- 

45,  . 

2 

29  8686 

- 

71,  . 

21 

153  7200 

- 

44,  . 

1 

15  1598 

- 

70,  . 

14 

106  5694 

- 

43,  . 

1 

15  3782 

- 

69.  . 

11 

87  0045 

- 

40,  . 

1 

15  9933 

- 

68,  ... 

11 

90  3265 

- 

34,  . 

1 

17  0647 

- 

67,  . 

13 

110  7275 

- 

33,  . 

1 

17  2252 

- 

66,  . 

9 

79  4394 

- 

31,  . 

1 

17  5328 

- 

65,  .    . 

9 

82  2429 

- 

270 

$2,232  6983 

$401,886  i 

64,  . 

6 

56  7072 

_ 

I 

The  footing  of  this  column  was  obtained  by  multiplying  the  footing  of  column  (3)  by  180. 


1914.1 


HOUSE  — No.  2450. 


63 


Liability  due  to  Refund  of  Teachers'  Contributions. 

Besides  the  liabilities  to  prospective  and  existing  pensioners,  one 
other  liability  must  be  taken  into  account  in  estimating  the  total 
liabilities  of  this  fund.  It  is  the  liability  of  the  fund  caused  by  the 
refund  of  teachers'  contributions. 

This  liability  was  estimated  by  constructing  a  set  of  commutation 
columns  based  on  the  actual  number  of  teachers  in  the  active  force 
up  to  and  including  age  60,  the  rate  of  withdrawal,  and  the  average 
number  of  years  of  contribution  for  each  age  group.  The  present 
value  of  the  future  refunds  to  the  present  active  force  was  thus 
found  to  be  $37,533. 

Income  from  Annual  Assessments. 

The  principal  income  of  this  fund  is  from  the  contribution  by 
each  member  of  $18  a  year.  The  present  value  of  these  contribu- 
tions from  the  present  active  force  was  found  to  be  $597,618. 

Income  from  Lump  Sum  Payments. 

Not  all  teachers*  contribute  $540  in  annual  installments  of  $18. 
When  a  teacher's  annual  contributions  at  the  time  of  retirement 
amount  to  less  than  $540,  the  rules  require  that  the  balance  shall 
be  paid  in  a  lump  sum.  The  present  value  of  these  payments  by 
the  present  active  force  was  found  to  be  $124,690. 

Balance  Sheet. 

The  assets  and  liabilities  of  the  fund  are  shown  in  the  following 
balance  sheet.  It  will  be  noted  that  the  amount  of  the  deficiency  is 
$1,312,687. 

Valuation  Balance  Sheet,  Jan.  1,  1914. 


DR. 

To  present  value  of  existing  pensions,     1401,886  00 

To  present  value  of  prospective  pen-    1,985,018  00 

sions  to  members  of  present  active 

force. 
To  present  value  of  refunds,       .         .        37,533  00 

To   present  value  of    proportion    of          3,954  00 
secretary's     salary     chargeable    to 
present  active  force. 

$2,428,391  00 


CR. 


By  invested  funds,  . 
By  cash  in  treasury, 


$388,063  83 
5,331  83 


By  present  value  of  lump  sum  pay-     124,690  00 

ments. 
By  present  value  of  $18  contributions,     597,618  00 


Deficiency, 


1,312,687  34 


$2,428,391  00 


64  COMMISSION  ON  PENSIONS.  [Apr. 


2.    POLICE    PENSION   FUND. 

The  Police  Pension  Fund  of  the  city  of  Boston  is  noncontribu- 
tory.  All  benefits  are  paid  out  of  public  funds.  Pensions  are 
granted  for  length  of  service  and  for  disability.  Annuities  are  also 
allowed  the  widows  and  children  of  policemen  killed  in  the  perform- 
ance of  duty. 

Retirement  from  the  service  is  made  by  the  police  commissioner 
Avith  the  approval  of  the  mayor.  The  police  commissioner  makes  a 
requisition  upon  the  city  for  the  sum  required  for  pensions  in  the 
same  manner  that  he  requests  an  appropriation  for  the  other  expenses 
of  his  department. 

The  annuities  to  widows  and  children  of  policemen  are  granted 
on  their  petition  to  the  city  council,  the  amount,  which  must  not 
exceed  the  amount  specified  by  law,  being  determined  by  the  police 
commissioner. 

BENEFITS. 

The  benefits  allowed  by  law  under  this  system  are  as  follows :  — 

Service  Pensions.  —  1.  One-half  final  salary  at  age  65.  Retire- 
ment assumed  to  be  compulsory. 

2.  One-half  final  salary  at  age  60  after  twenty-five  years'  service. 
Granted  on  request. 

3.  One-half  final  salary  at  age  60  or  after  twenty  years'  service,  if 
civil  war  veteran.     Granted  on  request. 

NOTE.  —  This  third  provision  for  service  pension  was  not  con- 
sidered in  the  calculations,  for  the  reason  that  so  much  time  has  now 
elapsed  since  the  civil  war  that  veterans  of  that  war  are  all  more 
than  sixty  years  old. 

Disability  Pensions.  —  1.  One-half  final  salary  at  any  age  or  after 
any  service  if  disabled  in  the  performance  of  duty. 

2.  One-half  final  salary  if  disabled  from  any  cause  after  twenty 
years'  service. 

3.  One-third  final  salary  if  disabled  from  any  cause  other  than  the 
performance  of  duty,  after  fifteen  years'  but  less  than  twenty  years' 
service. 

Widows'  Pensions.  —  A  maximum  annuity  of  $300  is  granted  to 
the  widows  of  members  killed  in  the  performance  of  duty  so  long  as 
thev  remain  unmarried. 


1914.]  HOUSE  — No.  2450.  65 

Children's  Pensions.  —  A  maximum  annuity  of  $300  is  granted 
children  of  members  killed  in  performance  of  duty  until  youngest 
child  reaches  age  16,  but  not  during  life  of  widow. 

NOTE.  —  There  are  no  children  pensioners  on  the  roll  at  present, 
and  no  figures  in  regard  to  children  are  shown.  The  provision  for 
children  is  the  least  important  of  all  the  pension  provisions,  and  at 
the  same  time  the  most  difficult  to  value.  To  compute  the  value  of 
the  continuation  of  a  part  of  the  widow's  annuity  to  the  children 
would  require  not  only  the  calculation  of  benefits  to  groups  of  chil- 
dren1 left  by  widowers,  but  in  addition  the  calculation  of  the  benefit 
which  must  be  added  to  the  annuity  of  the  widow  in  order  to  con- 
tinue her  allowance  to  the  children.  In  view  of  the  limited  time 
allowed  for  this  entire  calculation,  the  unimportance  of  this  par- 
ticular provision,  and  the  difficulty  of  making  any  such  calculation 
accurately  without  more  data  than  is  now  available,  it  was  considered 
best  to  disregard  this  provision. 

To  value  the  three  other  benefits,  —  service  pensions,  disability 
pensions  and  widows'  annuities,  —  that  is,  to  calculate  the  cost  to 
the  city  of  fulfilling  the  obligation  it  has  assumed  towards  those 
already  drawing  benefits  under  this  arrangement  and  towards  those 
in  the  present  active  force  who  will  draw  benefits  in  the  future,  it 
was  desirable  to  have  information  drawn  from  the  past  history  of 
the  service  on  the  following  points :  — 

The  actual  rate  of  mortality  among  members  of  the  active  force, 
among  regular  or  service  pensioners,  among  invalid  pensioners  and 
among  widow  pensioners. 

The  actual  rate  of  resignation  and  dismissal  among  members  of 
the  active  force. 

The  actual  rate  of  remarriage  among  widow  pensioners. 

The  actual  rate  of  disability  among  members  of  the  active  force. 

The  actual  rate  of  retirement  among  members  of  the  active  force 
who  remain  in  the  service  during  the  assumed  optional  period  be- 
tween 60  and  65. 

The  actual  rate  at  which  the  salaries  of  members  of  the  active 
force  increase  from  year  to  year. 

The  actual  marital  condition  of  members  of  the  service  at  time 
of  death  and  the  ages  of  their  wives  at  that  time. 

With  this  information  all  on  hand  and  carefully  tabulated,  the 
liability  that  has  been  assumed  by  Boston  on  account  of  pensions 


66  COMMISSION  ON  PENSIONS.  [Apr. 

to  its  policemen  might  have  been  ascertained  with  a  high  degree  of 
accuracy.  On  the  experience  of  the  service  in  the  past  as  a  basis, 
tables  of  exposure  could  have  been  made,  from  which  unadjusted 
rates  of  mortality,  resignation  and  dismissal,  disability  and  retire- 
ment might  have  been  deduced,  and  these  in  turn  adjusted  to  show 
the  probable  rates  of  separation  in  the  future.  With  the  help  of 
these  rates  the  cost  of  pensions  to  this  service  could  have  been  com- 
puted with  accuracy,  since  it  is  reasonable  to  assume  that,  under 
similar  conditions,  the  experience  of  any  service  in  the  future  will 
be  similar  to  what  it  has  been  in  the  past. 

Unfortunately,  only  a  small  part  of  the  data  desired  was  available 
in  shape  that  could  be  used.  Satisfactory  cards  were  furnished  for 
the  following :  — 

Members  of  the  active  force,  .........  1,518 

Regular  pensioners. 131 

Disability  pensioners, 79 

Widow  pensioners, 15 


Total, 1,743 

Since  the  statistics  presented  were  so  fragmentary,  and  since  time 
was  lacking  to  complete  and  verify  these  statistics,  it  was  held  im- 
practicable to  make  experience  tables  for  the  active  service,  regular 
pensioners,  invalid  pensioners  and  widow  pensioners,  from  which  the 
desired  rates  could  be  deduced.  Under  the  circumstances,  the  only 
feasible  thing  to  do  was  to  adopt  arbitrarily  the  rates  deduced  from 
the  actual  experience  of  a  similar  service,  and  use  them  to  construct 
a  service  table  for  the  valuation  of  the  Boston  police  fund. 

The  rates  adopted  were,  with  one  exception,  those  deduced  from 
the  experience  of  the  New  York  police  force.  It  may  reasonably 
be  assumed  that  the  experience  of  the  Boston  police  force  in  regard 
to  rates  of  separation  from  the  service  has  been  similar  to  that  of 
the  New  York  police  force  in  all  respects,  except  the  rate  of  retire- 
ment on  disability  pensions.  It  is  thought  that  the  rate  at  which 
policemen  in  New  York  have  been  retired  on  disability  pensions  is 
abnormally  high.  Preferring  to  run  the  risk  of  underestimating 
rather  than  of  overstating  liabilities,  it  was  desired  to  have  this 
estimate  as  conservative  as  possible,  and  it  was  considered  advisable, 
therefore,  to  adopt  disability  rates  that  are  lower  than  those  of  the 


1914.]  HOUSE  — No.  2450.  67 

New  York  force.  With  respect  to  other  rates  of  separation  the  ex- 
perience of  the  two  services  would  seem  to  be  fairly  comparable,  and 
the  rates  deduced  from  the  experience  of  the  New  York  police  fund 
were  accordingly  adopted,  with  the  exception  only  of  the  disability 
rates,  as  the  basis  of  calculations  for  the  Boston  police  fund. 

While  it  is  recognized  that  the  only  experience  that  can  be  used 
with  confidence  as  a  basis  for  precise  actuarial  calculations  is  the 
experience  of  the  actual  service  under  investigation,  it  is  believed 
that  when  a  rough  estimate  is  the  only  end  sought,  and  where  time 
is  an  important  consideration,  as  it  has  been  in  this  work,  the  use  of 
the  experience  gained  by  a  similar  service  is  justifiable.  It  certainly 
can  be  stated  with  entire  confidence  that  the  results  are  sufficiently 
accurate  to  form  a  fair  estimate  of  the  probable  amount  of  the  lia- 
bility which  the  city  has  assumed. 

SALARY  SCALE. 

The  actual  experience  of  the  Boston  police  fund  was  accepted,  in 
one  respect,  as  the  basis  for  calculation.  It  was  absolutely  necessary, 
since  all  service  and  disability  pensions  in  the  Boston  fund  are  based 
upon  the  amount  of  the  employee's  salary  at  the  time  of  retirement, 
to  have  a  salary  scale.  This  was  made  by  ascertaining  the  actual 
average  salary  for  each  age  group  and  then  smoothing  out  the  irregu- 
larities in  the  average  salary  from  age  to  age  by  the  graphic  method 
of  graduation.  It  should  be  stated  that  this  salary  scale  was  based 
on  the  salary  of  the  active  force  as  of  Jan.  1,  1914.  There  is  a 
question,  of  course,  whether  a  salary  scale  based  on  only  one  year's 
experience  of  the  active  service  reflects  the  operations  of  the  fund 
with  sufficient  accuracy  to  serve  as  an  index  of  the  future.  It  is 
admittedly  not  a  satisfactory  basis  for  a  salary  scale,  since  there  is 
always  a  question,  where  the  period  under  observation  is  short, 
whether  an  average  based  on  experience  within  that  period  is  a  true 
average.  It  was  the  best,  however,  that  could  be  made  on  the  only 
statistics  available. 


68 


COMMISSION  ON  PENSIONS, 


[Apr. 


Salary  Scale. 


AGE. 

Salary 
Scale. 

AGE. 

Salary 
Scale. 

26,  

$765 

46  

$1,394 

27  

818 

47  

1,407 

28  

890 

48  

1,416 

29  

951   . 

49  

1,425 

30  

1,011 

50  

1,435 

31,  ' 

1,065 

51  

1,444 

32,  

1,111 

52,  

1,452 

33  

1,151 

53  

1,460 

34  

1,186 

54,  

1,469 

35  

1,215 

55  

1,476 

36,  

1,220 

56  

1,483 

37  

1,263 

57,  

1,490 

38  

1.283 

58  

1,496 

39  

1,301 

59  

1,500 

40  

1,316 

60  

1,505 

41,  

1,332 

61  

1,508 

42,  

1,345 

62  

1,511 

43  

1,358 

63  

1,512 

44  

1,371 

64,  

1,513 

45  

1,383 

65  

1,514 

RATES  ADOPTED. 
Rates  of  Mortality. 

Two  different  rates  of  mortality  were  necessary  to  make  the  cal- 
culations in  regard  to  separations  from  the  active  service  caused  by 
death,  —  the  rate  of  mortality  from  ordinary  causes  and  the  rate 
of  mortality  from  accident  in  the  performance  of  duty,  since  pensions 
are  granted  to  the  widows  of  policemen  only  in  case  the  latter  are 
killed  in  line  of  duty.  Both  these  rates  are  taken  from  the  experience 
of  the  New  York  police  force  and  are  as  follows :  — 


1914.1 


HOUSE  — No.  2450. 


Rates  of  Mortality  while  in  Active  Service. 


AGE. 

From 
Ordinary 
Causes. 

From 
Accident 
in  Per- 
formance 
of  Duty. 

AGE. 

From 
Ordinary 
Causes. 

From 
Accident 
in  Per- 
formance 
of  Duty. 

25  

.0028 

.0003 

50  

.0144 

.0008 

30  
35,            .... 

.0040 
.0063 

.0004 
.0004 

55,    
60,    

.0218 
.0247 

.0002 

40,    

.0082 

.0004 

65  

.0393 

- 

45  

.0092 

.0005 

For  service  pensioners  —  that  is,  those  retiring  at  age  65  or  at 
age  60,  61,  62,  63  or  64,  as  the  case  may  be,  after  twenty-five  years' 
service  —  the  mortality  rates  assumed  were  those  worked  out  in 
the  valuation  of  the  New  York  police  force.  They  are  shown  in  the 
following  table :  — 

Rate  of  Mortality  among  Service  Pensioners. 


AGE. 

Service 
Pensioners. 

AGE. 

Service 
Pensioners. 

60  

.0513 

85  

.1984 

65  

.0632 

90  

.2782 

70,     

.0814 

95,     

.3843 

75,     

.1077 

100,    

1.0000 

80  

.1450 

The  rate  of  mortality  among  invalid  pensioners  in  the  experience 
of  the  New  York  police  force  was  also  adopted.  This  is  shown  in 
the  following  table :  — 

Rate  of  Mortality  among  Invalid  Pensioners. 


AGE. 

Invalid 
Pensioners. 

AGE. 

Invalid 
Pensioners. 

25  

.2037 

65  

.0602 

30,  

.1408 

70  

.0843 

35  

.0922 

75  

.1200 

40  

.0600 

80  

.1800 

45  

.0424 

85  

.2820 

50,  

.0358 

90  

.4695 

55  

.0369 

95  

.7220 

60  

.0449 

70 


COMMISSION  ON;  PENSIONS. 


[Apr. 


The  mortality  rate  shown  by  the  Combined  Experience  Table  of 
Mortality  was  adopted  as  the  rate  of  mortality  of  the  widow  pen- 
sioners of  the  Boston  police  force.  This  is  the  rate  that  was  adopted 
in  the  calculation  of  the  mortality  rate  of  the  widow  pensioners  in 
the  New  York  force.  The  experience  of  the  New  York  widow  pen- 
sioners was  made  up  in  the  valuation  of  the  New  York  police  force ; 
but  as  it  was  found  to  check  closely  into  the  rate  of  the  Combined 
Experience  Table,  the  latter  was  used  in  preference,  for  the  reason 
that  it  is  the  rate  of  a  standard  table,  based  on  a  larger  number  of 
lives  than  were  included  in  the  New  York  experience. 

Rate  of  Mortality  among  Widow  Pensioners. 


AGE. 

Combined 
Experience 
Table  of 

Mortality. 

AGE. 

Combined 
Experience 
Table  of 
Mortality. 

22,     

.0075 

62  

.0351 

27,     ........ 

.0080 

67,     

.0515 

32  

37, 

.0087 
0097 

72  

77,     .                         . 

.0758 
1115 

42  

.0109 

82,     

.1632 

47  

.0135 

87  

.2422 

52  

.0179 

92  

.4053 

57  

.0247 

97  

.6923 

RATES  OF  WITHDRAWAL. 

Resignations,  Dismissals  and  Remarriage  of  Widows. 
The  rate  of  resignation  and  dismissal  from  the  active  force  that 
was  adopted  was  that  deduced  from  the  experience  of  the  New  York 
police  force.     This  rate  is  shown  in  the  following  table :  — 

Rate  of  Resignation  and  Dismissal. 


AGE. 

Resignation 
and 

AGE. 

Resignation 
and 

Dismissal. 

Dismissal. 

25  

.0257 

45  

.0036 

30,     

.0168 

50,     

.0018 

35  

.0083 

55  

.0014 

40,     

.0068 

60  

.0004 

1914.1 


HOUSE  — No.  2450. 


71 


The  rate  of  withdrawal  among  one  class  of  pensioners  has  to  be 
considered  also  in  the  valuation  of  the  police  fund.  Inasmuch  as 
pensions  for  widows  are  included  in  the  benefits,  the  rate  at  which 
widows  remarry  and  forfeit  their  pensions  was  required.  Having  no 
better  statistical  experience  to  use  as  a  basis,  the  rate  of  withdrawal 
among  widow  pensioners  in  the  New  York  police  force  was  adopted. 
The  tabulation  from  which  the  New  York  table  was  constructed  was 
made  by  dividing  the  number  of  widows  who  withdrew  at  each  age 
into  two  groups,  —  those  whose  pensions  lapsed  because  of  the  re- 
vocation of  the  pension,  and  those  whose  pensions  lapsed  because  of 
remarriage.  The  New  York  police  rate  of  withdrawal  for  widows 
was  modified  roughly  to  include  only  those  who  surrendered  their 
pensions  to  marry  again,  and  this  rate  was  used  as  a  basis  for  the 
Boston  table.  The  provisions  of  the  Boston  fund  allow  annuities  to 
widows  only  during  the  time  that  they  remain  unmarried,  whereas 
the  annuities  of  New  York  widows  are  revocable  on  other  grounds 
also.  The  rate  of  withdrawal  for  widows,  as  modified  from  the 
experience  of  the  New  York  police  force,  is  shown  in  the  following 
table :  — 

Rate  of  Withdrawal  among  Widow  Pensioners. 


AGE. 

Modification 
New  York 
Widow  Pen- 

New York 
Widow  Pen- 

AGE. 

Modification 
New  York 
Widow  Pen- 

New York 
Widow  Pen- 

sioners 
adopted. 

sioners. 

sioners 
adopted. 

sioners. 

22  

.0542 

.0908 

62  

- 

.0110 

27  

.0314 

.0613 

67  

- 

.0103 

32  

.0202 

.0401 

72,      . 

- 

.0092 

37  

.0137 

.0277 

77  

- 

.0077 

42  

.0094 

.0202 

82  

- 

.0056 

47  

.0063 

.0159 

87  

- 

.0031 

52  

.0036 

.0132 

92  

- 

.0001 

57,      . 

.0013 

.0117 

RATE  OF  RETIREMENT  ON  PENSION. 

The  rules  of  the  service  state  that  any  member  of  the  department 
shall  be  retired  who  is  65  years  of  age.  This  would  seem  to  be 
mandatory  for  the  department,  but  the  fact  that  the  cards  showed 
half  a  dozen  members  of  the  service  to  be  still  retained  though  past 
the  age  of  65  would  seem  to  indicate  that  retirement  is  optional  with 


72 


COMMISSION  ON  PENSIONS. 


[Apr. 


the  employee.  It  is  assumed  in  the  calculations,  however,  that  re- 
tirement is  compulsory  at  age  65.  The  earliest  age  at  which  any 
one  is  eligible  for  retirement  is  the  age  of  60.  Those  who  have 
served  twenty-five  years  or  more  may  retire  at  that  age.  This  prac- 
tically means  that  every  one  in  the  service  may  retire  on  a  pension 
at  age  60,  if  he  chooses,  since  every  one  who  reaches  the  age  of  60 
must  have  been  at  least  twenty-five  years  in  the  service,  the  maximum 
entrance  age  being  35.  Not  all  choose,  however,  to  retire  at  age  60. 
Some  remain  until  the  age  of  61,  others  until  age  62,  others  until 
age  63,  others  until  age  64,  until  finally,  at  age  65,  all  must  retire. 
Because  the  right  of  choice  is  exercised  between  the  ages  60  and  65, 
it  is  not  thought  best  to  assume  a  fixed  age  of  retirement  for  all 
members.  The  members  of  the  active  service  have,  therefore,  been 
transferred  gradually  to  the  regular  pensioners'  roll.  In  the  absence 
of  any  statistics  it  was  assumed  that  30  per  cent,  of  all  persons  in 
the  active  service  of  the  Boston  police  force  who  attain  to  age  60  will 
retire  on  regular  or  service  pension  at  that  age ;  that  40  per  cent,  of 
those  who  remain  and  attain  to  age  61  will  retire  at  that  age;  that  50 
per  cent,  of  those  who  remain  and  attain  to  age  62  will  retire  at  that 
age ;  that  60  per  cent,  of  those  who  remain  and  attain  to  age  63  will 
retire  at  that  age;  that  TO  per  cent,  of  those  who  remain  and  attain 
to  age  64  will  retire  at  that  age;  and  all  persons  who  remain  in  the 
active  service  and  attain  the  age  of  65  years  are  assumed  to  retire 
before  reaching  age  66.  The  rate  of  retirement  from  the  service  thus 
constructed  is  shown  in  the  following  table :  — 


Rate  of  Retirement. 


AGE. 

Retirement. 

AGE. 

Retirement. 

60,     .        . 

.3000 

63  

.6000 

61  

.4000 

64  

.7000 

6fi  

.5000 

65,     

.9607 

RATES  OF  DISABILITY. 

The  pension  provisions  regarding  disability  make  a  distinction 
between  disability  resulting  from  the  actual  performance  of  duty  and 
disability  from  other  causes.  One  rate  was,  therefore,  adopted  to 
reflect  the  disability  incurred  in  the  performance  of  duty,  and 


1914.]  HOUSE  — No.  2450.  73 

another  to  show  the  disability  resulting  from  all  other  causes.  The 
combination  of  these  two  rates,  that  is,  the  sum  of  the  two  at  each 
age,  is  supposed  to  reflect  the  total  rate  of  disability  from  all  causes 
in  the  Boston  police  force.  This  is  lower  than  the  total  rate  of  dis- 
ability in  the  New  York  police  force,  which  is  as  it  should  be,  since 
the  rate  of  disability  among  members  of  the  New  York  force  is 
thought,  for  reasons  given  above,  to  be  abnormally  high. 

That  part  of  the  Boston  rate  which  reflects  disability  resulting 
from  the  actual  performance  of  duty  is  one-half  of  the  rate  of  total 
and  permanent  disability  deduced  by  Mr.  Arthur  Hunter  from  the 
experience  of  various  fraternal  orders  of  the  United  States.1  The 
rate  thus  deduced  by  Mr.  Hunter  is  very  much  lower  than  the  total 
rate  of  disability  resulting  from  all  causes  among  members  of  the 
New  York  police  force,  and  still  lower  than  the  rate  found  to  exist 
among  employees  of  the  New  South  Wales  Government  Railways  and 
Tramways.  Mr.  Hunter's  rate  reflects  only  permanent,  complete 
disablements,  and  does  not  take  account  of  temporary  or  minor  im- 
pairments in  health.  It  covers  only  those  completely  out  of  commis- 
sion. In  selecting  a  rate  to  represent  disability  incurred  in  the 
actual  performance  of  duty  it  would  seem  desirable  to  interpret  the 
meaning  of  the  word  "  disability  "  very  strictly.  Since  Mr.  Hunter's 
rate  seems  to  reflect  this  strict  interpretation  it  would  appear  proper 
to  adopt  his  rate  as  the  rate  among  members  of  the  Boston  police 
force  of  bona  fide  and  permanent  disability.  There  is  one  factor, 
however,  that  has  to  be  considered  in  adopting  a  rate  of  disability 
for  the  Boston  police  force  that  does  not  enter  into  Mr.  Hunter's 
rate,  and  that  is  the  factor  of  disablement  in  the  actual  performance 
of  duty.  If  Mr.  Hunter's  rate  reflects  fairly  both  the  disability  in- 
curred in  line  of  duty  and  all  other  disability,  as  would  seem  to  be 
the  case,  then,  in  the  absence  of  any  actual  statistics  on  this  service, 
it  seems  reasonable  to  assume  that  one-half  of  that  rate  might  safely 
be  taken  as  a  proper  rate  of  disability  for  disablements  resulting 
from  the  actual  performance  of  duty.  This  is  the  rate  adopted. 

In  practice  the  benefit  provided  for  disability  incurred  in  line  of 
duty  is  disregarded  after  an  employee  has  been  in  the  service  twenty 
years.  At  age  55  the  provision  for  benefits  in  case  of  disability  in- 
curred in  the  line  of  duty  merges  into  the  provision  for  benefits  in 
case  of  disability  from  other  causes.  This  is  due  to  the  fact  that  the 

1  See  Transactions,  Actuarial  Society  of  America,  Vol.  12,  p.  46. 


74 


COMMISSION  ON  PENSIONS. 


[Apr. 


minimum  entrance  age  into  the  Boston  force  is  25  years  and  the 
maximum  entrance  age  is  35  years.  It  follows,  then,  that  all  persons 
who  remain  in  the  service  twenty  years  are  eligible  for  retirement 
on  a  disability  pension  somewhere  between  the  ages  of  45  and  55, 
inclusive.  Since,  therefore,  the  two  rates  merge  into  each  other 
between  these  ages,  that  part  of  the  disability  rate  which  represents 
the  rate  for  disability  arising  from  the  actual  performance  of  duty 
was  graduated  off  to  zero,  starting  at  the  median  age  of  50  and  run- 
ning to  56.1 

For  disability  from  all  causes  other  than  the  actual  performance 
of  duty  the  rate  adopted  was  that  drawn  from  the  experience  of  the 
New  South  Wales  Government  Eailways  and  Tramways.2  This  was 
adopted  because  it  is  a  fair,  medium  rate,  neither  so  high  as  the  dis- 
ability rate  of  the  New  York  police  nor  so  low  as  the  rate  for  per- 
manent disablements. 

Rates  of  Disability. 


AGE. 


ill 


I. 


S8:S£  * 

j£    3    3  -^    >> 


AGE. 


1 

s 

•d 

if 


so 

jl| 
III 


25, 
30, 
35, 
40, 
45, 


.0003 
.0003 
.0007 
.0022 
.0035 


.0003 
.0003 
.0003 
.0004 
.0006 


.0004 
.0018 
.0029 


.0060 
.0176 
.0457 
.0000 


.0001 


.0052 
.0175 
.0457 
.0000 


Summarizing  the  above,  a  table  showing  the  rates  of  mortality, 
resignation  and  dismissal,  retirement  and  invalidity,  as  used  in  the 
calculations,  is  given  herewith. 

1  Since  the  calculations  were  made  it  is  learned  that  the  maximum  age  of  entrance  into  the  service  was 
erroneously  given  as  35  instead  of  33.    Fortunately,  the  error  makes  very  little  difference  in  the  results. 

2  Report  of  the  Actuarial  Subcommittee  on  Establishment  of  a  Superannuation  Fund  for  the  whole 
of  the  Government  Service,  in  New  South  Wales,  1912,  p.  18. 


1914.1 


HOUSE  — No.  2450. 


75 


Rates  used. 


AGE. 

RATES  OP  MOBTALITT. 

RATES  OP  SEPARATION 

DUE  TO  — 

RATES  OP  DIS- 
ABILITY DUE  TO  — 

Active  Service. 

Service  Pension- 
ers. 

Invalid  Pension- 
ers. 

Widow  Pension- 
ers. 

Resignation  and 
Dismissal. 

Withdrawal  of 
Widow  Pen- 
sioners. 

Retirement. 

Actual  Perform- 
ance of  Duty. 

All  Other  Causes. 

22, 

0028 

- 

.2452 
.2310 

.0075 
.0076 

.0400 
.0338 

.0542 
.0481 

- 

- 

.0003 
.0003 

23,   ... 

.0028 

24,   ... 
25, 

.0029 
0031 

- 

.2173 
.2037 
.1910 
.1784 
.1659 
.1535 
.1408 

.0077 
.0078 
.0079 
.0080 
.0081 
.0083 
.0084 

.0291 
.0257 
.0234 
.0218 
.0203 
.0186 
.0168 

.0430 
.0387 
.0349 
.0314 
.0286 
.0261 
.0238 

- 

- 

.0003 
.0003 
.0003 
.0003 
.0003 
.0003 
.0003 

26,   ... 
27,   ... 

.0032 
0034 

28, 

0038 

29, 

0041 

30,   ... 

.0044 

31,   ... 

.0049 

- 

.1298 

.0086 

.0147 

.0219 

- 

- 

.0003 

32,   ... 
33, 

.0053 
0058 

- 

.1195 
.1096 
.1002 

.0087 
.0089 
.0091 

.0126 
.0107 
.0093 

.0202 
.0187 
.0173 

- 

- 

.0003 
.0003 
.0003 

34,   ... 

.0063 

35,   ... 

.0067 

- 

.0922 

.0093 

.0083 

.0159 

- 

.0004 

.0003 

36,   ... 
37, 

.0072 
0077 

- 

.0840 
.0769 
.0702 

.0095 
.0097 
.0099 

.0078 
.0075 
.0073 

.0149 
.0137 
.0128 

- 

.0009 
.0014 
.0015 

.0003 
.0004 
.0004 

38,   ... 

.0081 

39,   ... 
40,   ... 

.0084 
.0086 

- 

.0643 
.0600 
.0557 
.0514 
.0480 
.0454 
.0424 

.0101 
.0104 
.0106 
.0109 
.0113 
.0117 
.0122 

.0071 
.0068 
.0063 
.0057 
.0050 
.0043 
.0036 

.0118 
.0114 
.0102 
.0094 
.0087 
.0080 
.0074 

- 

.0016 
.0018 
.0020 
.0022 
.0024 
.0026 
.0029 

.0004 
.0004 
.0004 
.0005 
.0005 
.0005 
.0006 

41, 

0088 

42, 

0090 

43, 

0093 

44, 

0095 

45,   ... 

.0097 

46,   ... 

.0101 

- 

.0404 

.0128 

.0030 

.0068 

- 

.0032 

.0006 

47,   ... 
48, 

.0107 
0117 

- 

.0390 
.0378 
.0365 

.0135 
.0143 
.0151 

.0025 
.0022 
.0019 

.0063 
.0056 
.0049 

- 

.0035 
.0039 
.0044 

.0007 
.0007 
.0008 

49,   ... 

.0133 

50,   ... 

.0152 

- 

.0358 

.0159 

.0018 

.0046 

- 

.0052 

.0008 

51,   ... 

.0172 

- 

.0352 

.0169 

.0017 

.0042 

- 

.0075 

.0008 

52,   ... 

.0189 

- 

.0350 

.0179 

.0016 

.0036 

- 

.0100 

.0008 

53,   ... 
54,   ... 

.0203 
0213 

- 

.0352 

.0360 

.0191 
.0203 

.0016 
.0015 

.0031 
.0027 

- 

.0125 
.0150 

.0006 
.0004 

76 


COMMISSION  ON  PENSIONS. 


[Apr. 


Rates  used  —  Continued. 


AGE. 

RATES  OF  MORTALITY. 

RATES  OP  SEPARATION 

DUE  TO  — 

RATES  OF  DIS- 
ABILITY D0E  TO  — 

Active  Service. 

Service  Pension- 
ers. 

Invalid  Pension- 
ers. 

Widow  Pension- 
ers. 

Resignation  and 
Dismissal. 

Withdrawal  of 
Widow  Pen- 
sioners. 

Retirement. 

Actual  Perform- 
ance of  Duty. 

All  Other  Causes. 

55, 

0220 

.0436 
.0449 
.0463 
.0478 
.0495 
.0513 
.0533 
.0554 

.0369 
.0380 
.0390 
.0408 
.0425 
.0449 
.0479 
.0502 

.0217 
.0231 
.0247 
.0264 
.0282 
.0303 
.0326 
.0351 

.0014 
.0013 
.0011 
.0008 
.0006 
.0004 
.0002 

.0023 
.0017 
.0013 
.0009 
.0004 
.0000 

.3000 
.4000 
.5000 

.0175 
.0200 
.0240 
.0300 
.0432 
.0457 
.0454 
.0414 

.0001 

56, 

0224 

57, 

0225 

58,   ... 
59, 

.0229 
0235 

60,   .    . 
61, 

.0247 
0265 

62,   ... 

.0290 

63,   ... 

.0320 

.0578 

.0539 

.0378 

- 

- 

.6000 

.0182 

- 

64,   ... 

.0355 

.0603 

.0565 

.0408 

- 

- 

.7000 

.0087 

- 

65.   ... 

.0393 

.0632 

.0602 

.0441 

- 

- 

.9607 

.0000 

- 

66.   ... 

- 

.0662 

.0650 

.0476 

- 

- 

- 

- 

- 

67.   ... 

- 

.0696 

.0688 

.0515 

- 

- 

- 

- 

- 

68,   ... 

- 

.0732 

.0740 

.0556 

- 

- 

- 

- 

- 

69,   ... 

- 

.0772 

.0797 

.0600 

- 

- 

- 

- 

- 

70,   ... 

- 

.0814 

.0843 

.0649 

- 

- 

- 

- 

- 

71,   ... 

- 

.0860 

.0904 

.0702 

- 

- 

- 

- 

- 

72,   ... 

- 

.0909 

.0975 

.0758 

- 

- 

- 

- 

- 

73,   ... 

- 

.0961 

.1040 

.0819 

- 

- 

- 

- 

- 

74,   ... 

- 

.1017 

.1120 

.0885 

- 

- 

- 

- 

- 

75,   ... 

- 

.1077 

.1200 

.0956 

- 

- 

- 

- 

- 

76,   ... 

- 

.1141 

.1300 

.1032 

- 

- 

- 

- 

- 

77, 

- 

.1210 

.1400 

.1115 

- 

- 

- 

- 

- 

78,   ... 

- 

.1284 

.1500 

.1204 

- 

- 

- 

- 

- 

79,   ... 

- 

.1364 

.1645 

.1301 

- 

- 

- 

- 

- 

80,   ... 

- 

.1450 

.1800 

.1404 

- 

- 

- 

- 

- 

81,   ... 

- 

.1542 

.1960 

.1514 

- 

- 

- 

- 

_ 

82,   ... 

- 

.1641 

.2140 

.1632 

- 

- 

- 

- 

_ 

83,   ... 

- 

.1747 

.2360 

.1759 

- 

- 

- 

- 

- 

84,   ... 

- 

.1860 

.2570 

.1897 

- 

- 

- 

- 

_ 

85,   ... 

- 

.1984 

.2820 

.2051 

- 

- 

- 

- 

- 

86,   ... 

- 

.2117 

.3120 

.2225 

- 

- 

- 

- 

- 

87,   ... 

- 

.2268 

.3450 

.2422 

- 

- 

- 

- 

- 

1914.1 


HOUSE  — No.  2450. 


77 


Rates  used  —  Concluded. 


AGE. 

RATES  OP  MORTALITY. 

RATES  OP  SEPARATION 

DUE  TO  — 

RATES  OF  DIS- 
ABILITY DUE  TO  — 

Active  Service. 

Service  Pension- 
ers. 

Invalid  Pension- 
ers. 

1 

Resignation  and 
Dismissal. 

Withdrawal  of 
Widow  Pen- 
sioners. 

Retirement. 

Actual  Perform- 
ance of  Duty. 

1 
1 

i 

88,       ... 

- 

.2424 

.3840 

.2653 

_ 

_ 

- 

- 

- 

89,       ... 

- 

.2597 

.4260 

.2924 

- 

- 

- 

- 

- 

90,       ... 

- 

.2782 

.4695 

.3237 

- 

- 

- 

- 

- 

91,        ... 

- 

.2974 

.5150 

.3610 

- 

- 

- 

- 

- 

92,        .        .    ,    . 

- 

.3141 

.5603 

.4053 

- 

- 

- 

- 

- 

93,       ... 

- 

.3299 

.6100 

.4572 

- 

- 

- 

- 

- 

94,       ... 

- 

.3507 

.6620 

.5163 

- 

- 

- 

- 

- 

95,       ... 

- 

.3843 

.7220 

.5843 

- 

- 

- 

- 

- 

96,       ... 

- 

.4455 

.7945 

.6486 

- 

- 

- 

- 

- 

97,       .        .        . 

- 

.5614 

.8740 

.6923 

- 

- 

- 

- 

- 

98,       ... 

- 

.6750 

.9820 

.7500 

- 

- 

- 

- 

- 

99,        ... 

- 

.7500 

1.0000 

1.0000 

- 

- 

- 

- 

- 

100,      . 

- 

1.0000 

- 

- 

- 

- 

- 

- 

- 

SERVICE  TABLES. 

From  the  rates  given  above,  tables  for  the  active  service,  the  regular 
pensioners,  invalid  pensioners  and  widow  pensioners  were  constructed 
in  the  customary  manner.  It  was  assumed  in  the  service  table  for 
the  active  force  that  100,000  persons  had  entered  at  the  youngest  age 
and  experienced  the  various  contingencies  noted.  Thus,  of  the  100,- 
000  who  entered  the  service  at  age  25  there  die  before  reaching  age 
26,  306  (280  by  deaths  other  than  accidental  plus  26  by  accidental 
deaths),  there  retire  26,  and  there  resign  2,570.  The  total  number 
who  thus  leave  from  all  causes  is  2,902,  leaving  97,098  survivors 
at  exact  age  26.  This  process  is  carried  out  to  the  end  of  the  table. 

The  service  table  for  the  active  force  is  as  follows :  — 


78 


COMMISSION  ON  PENSIONS. 


[Apr. 


Service  Table  for  Active  Force. 


5 

1 

i 

.2*3 

S.S'S 

£ 

| 

4 

& 

a 

"S 

la 

•< 

il 

o>  C  § 

gls 

1 

1 

AGE. 

tc 

Resignatio 
missal. 

Deaths  Ot 
Acciden 

Deaths 
dental. 

gS 

!o>> 

ill 

,2^a 

•ofe  o  >> 

sill 

-OPkP 
Q 

Service 
ments. 

I 

25  

100,000 

2,570 

280 

26 

26 

- 

- 

2,902 

26  

97,098 

2,272 

282 

29 

26 

- 

- 

2,609 

27  

94,489 

2,060 

293 

31 

26 

- 

- 

2,410 

28  

92,079 

1,869 

313 

32 

25 

- 

- 

2,239 

29  

89,840 

1,671 

332 

33 

25 

- 

- 

2,061 

30,  . 

87,779 

1,475 

351 

33 

25 

- 

- 

1,884 

31  

85,895 

1,263 

387 

33 

25 

- 

- 

1,708 

32  

84,187 

1,061 

413 

33 

25 

- 

- 

1,532 

33  

82,655 

884 

446 

33 

25 

- 

- 

1,388 

34  

81,267 

756 

479 

33 

25 

- 

- 

1,293 

35  

79,974 

664 

504 

33 

26 

32 

- 

1,259 

36  

78,715 

614 

535 

32 

26 

71 

- 

1,278 

37  

77,437 

581 

565 

32 

27 

108 

- 

1,313 

38  

76,124 

556 

586 

31 

28 

114 

- 

1,315 

39,  . 

74,809 

531 

598 

31 

29 

120 

- 

1,309 

40  

73,500 

500 

603 

31 

31 

132 

- 

1,297 

41,  . 

72,203 

455 

607 

31 

32 

144 

- 

1,269 

42  

70,934 

404 

610 

31 

33 

156 

- 

1,234 

43,  . 

69,700 

349 

613 

32 

35 

167 

- 

1,196 

44  

68,504 

295 

617 

33 

37 

178 

- 

1,160 

45  

67,344 

242 

620 

36 

39 

195 

- 

1,132 

46,  . 

66,212 

199 

629 

42 

41 

212 

- 

1,123 

47  

65,089 

163 

644 

50 

43 

228 

- 

1,128 

48  

63,961 

141 

697 

53 

46 

249 

- 

1,186 

49  

62,775 

119 

785 

53 

49 

276 

- 

1,282 

50  

61,493 

111 

885 

51 

52 

320 

- 

1,419 

51,  . 

60,074 

102 

985 

46 

50 

451 

- 

1,634 

52,  . 

58,440 

94 

1,069 

33 

44 

584 

- 

1,824 

53,  . 

56,616 

91 

1,127 

22 

35 

708 

- 

1,983 

54,  . 

54,633 

82 

1,153 

13 

20 

819 

- 

2,087 

55,  . 

52,546 

74 

1,146 

8 

3 

920 

- 

2,151 

56  

50,395 

66 

1,124 

4 

- 

1,008 

- 

2,202 

57  

48,193 

53 

1,084 

- 

- 

1,157 

- 

2,294 

58,  . 

45,899 

37 

1,051 

- 

- 

1,377 

- 

2,465 

59  

43,434 

26 

1,021 

- 

- 

1,876 

- 

2,923 

1914] 


HOUSE  —  No.  24 


OF  THE 
UNIVE  RSIT Y 


l 
V 


79 


Service  Table  for  Active  Force  —  Concluded. 


q 

ft 

1 

fe—  ' 

8 

.So 

S.S'S 

i^ 

1 

3 

AGE. 

1 

Id 

ij 

j| 

• 

53 

03  0 

11 

lit 

S-c  S 

Of  g 

^llt 

|| 

I 

L 

55  g 

g-< 

.SisP 

•*OfcH 

o  a 

3 

O2 

(4 

p 

Q 

s 

Q 

02 

60  

40,511 

16 

1,001 

- 

- 

1,851 

12,153 

15,021 

61  

25,490 

5 

675 

- 

- 

1,157 

10,196 

12,033 

62  

13,457 

- 

390 

- 

- 

557 

6,729 

7,676 

63,   . 

5,781 

- 

185 

- 

- 

105 

3,469 

3,759 

64  

2,022 

- 

72 

- 

- 

18 

1,415 

1,505 

65,   . 

517 

- 

20 

- 

- 

- 

497 

517 

The  service  table  for  the  service  or  regular  pensioners  is  as  fol- 
lows :  — 

Regular  Pensioners'  Table. 


AGE. 

Sur- 
vivors. 

Deaths. 

AGE. 

Sur- 
vivors. 

Deaths. 

60,   

1,294 

66 

81,          

188 

29 

61,   

1,228 

65 

82  

159 

26 

62  

1,163 

64 

83  

133 

23 

63  

1,099 

64 

84,          ..... 

110 

20 

64  

1,035 

62 

85  

90 

18 

65,   

973 

61 

86,   -       

72 

15 

66  

912 

60 

87  

57 

13 

67  

852 

59 

88  

44 

11 

68  

793 

58 

89  

33 

9 

69  

735 

57 

90  

24 

7 

70  

678 

55 

91,           ... 

17 

5 

71  

623 

54 

92,           

12 

4 

72  

569 

52 

93,           

8 

3 

73  

517 

50 

94  

5 

2 

74  

467 

47 

95  

3 

1 

75,   

420 

45 

96  

2 

1 

76  

375 

43 

97  

1 

.561 

77,   

332 

40 

98  

.44 

.30 

78  

292 

37 

99  

.14 

.11 

79,   

255 

35 

100  

.03 

.03 

80,   

220 

32 

1  Decimals  were  used  to  avoid  necessity  for  larger  radix. 


80 


COMMISSION  ON  PENSIONS. 


[Apr. 


The  service  table  for  the  invalid  pensioners  is  as  follows: 
Invalid  Pensioners'  Table. 


AGE. 

Sur- 
vivors. 

Deaths. 

AGE. 

Sur- 
vivors. 

Deaths. 

25  
26  
27  

28, 

24,422 
19,448 
15,734 
12,928 

4,974 
3,714 
2,806 
2,144 

63,  
64  
65,  

66, 

1,189 
1,125 
1,061 
997 

64 
64 
64 
65 

29,  . 

10,784 

1,655* 

67, 

932 

64 

30,  
31, 

9,129 
7,844 

1,285 
1,018 

68  

69, 

868 
804 

64 

64 

32  
33,  ...... 
34,  . 

6,826 
.      6,011 
5,352 

815 
659 
536 

70  
71  

72, 

740 
678 
617 

62 
61 
60 

35  
36,  
37,  
38,  
39,  

4,816 
4,372 
4,005 
3,697 
3,438 

444 
367 
308 
259 
221 

73  
74,  
75  
76,  

77, 

557 
499 
443 
390 
339 

58 
56 
53 
51 

47 

40,  . 

3,217 

193 

78,  ... 

292 

44 

41,  . 

3,024 

168 

79  

248 

41 

42  

43,  . 

2,856 
2,709 

147 
130 

80  

81, 

207 
170 

37 
33 

44  

2,579 

117 

82, 

137 

29 

45, 

2,462 

104 

83, 

108 

25 

46  

47,  . 

2,358 
2,263 

95 

88 

84  

85, 

83 
62 

21 
17 

48  
49  
50  
51  

2,175 
2,093 
2,017 
1,945 

82 
76 
72 
68 

86  
87  

88, 
89, 

45 
31 
20 
12 

14 
11 
8 
5 

52  
53  
54,  ..... 

1,877 
1,811 
1,747 

66 
64 
63 

90  
91  
92, 

7 
4 
2 

3 
2 
1 

55  

1,684 

62 

93,  .... 

1 

6101 

56  

57,  .  .  .  .  . 

1,622 
1,560 

62 
61 

94  

95, 

.390 
132 

.258 
095 

58  
59  
60  

1,499 
1,438 
1,377 

61 
61 
62 

96  
97,  

98, 

.037 
.008 
001 

.029 
.007 
00098 

61,  . 

1,315 

63 

99, 

00002 

00002 

62,  

1,252 

63 

1  Decimals  were  used  to  avoid  necessity  for  larger  radix. 


1914.]  HOUSE  — No.  2450.  81 

The  service  table  for  the  widow  pensioners  is  as  follows :  — 

Widow  Pensioners'  Table. 


AGE. 

Sur- 
vivors. 

Deaths. 

With- 
drawals. 

AGE. 

Sur- 
vivors. 

Deaths. 

With- 
drawals. 

22,   . 

86,033 

645 

4,663 

58,         ... 

30,554 

807 

27 

23,    . 

80,725 

614 

3.883 

59,         ... 

29,720 

838 

12 

24  

76,228 

587 

3,278 

60,         ... 

28,870 

875 

- 

25  

72,363 

595 

2,950 

61,         ... 

27,995 

913 

- 

26  

68,818 

544 

2,402 

62,         ... 

27,082 

951 

- 

27  

65,872 

527 

2,068 

63,         ... 

26,131 

988 

- 

28  

63,277 

513 

1,810 

64,         ... 

25,143 

1,026 

- 

29,    . 

60,954 

506 

1,591 

65,         ... 

24,117 

1,064 

- 

30  

58,857 

494 

1,401 

66,         ... 

23,053 

1,097 

- 

31  

56,962 

490 

1,247 

67,         ... 

21,956 

1,131 

- 

32  

55,225 

480 

1,116 

68,         ... 

20,825 

1,158 

- 

33  

53,629 

477 

1,003 

69,         ... 

19,667 

1,180 

- 

34,    . 

52,149 

475 

902 

70,         ... 

18,487 

1,200 

- 

35  

50,772 

472 

807 

71,         ... 

17,287 

1,214 

- 

36  

49,493 

470 

737 

72,         ... 

16,073 

1,218 

- 

37  

48,286 

468 

662 

78,     .. 

14,855 

1,217 

- 

38,    .        .      .  . 

47,156 

467 

604 

74,         ... 

13,638 

1,207 

- 

39  

46,085 

465 

544 

'75, 

12,431 

1,188 

- 

40  

45,076 

469 

514 

76,         ... 

11,243 

1,160 

- 

41  

44,093 

467 

450 

77,         ... 

10,083 

1,124 

- 

42  

43,176 

471 

406 

78,         ... 

8,959 

1,079 

- 

43,   . 

42,299 

478 

368 

79,         ... 

7,880 

1,025 

- 

44  

41,453 

485 

332 

80,         ... 

6,855 

962 

- 

45  

40,636 

496 

301 

81,         ... 

5,893 

892 

- 

46  

39,839 

510 

271 

82,         ... 

5,001 

816 

- 

47  

39,058 

527 

246 

83,         ... 

4,185 

736 

- 

48  

38,285 

547 

214 

84,         ... 

3,449 

654 

- 

49,    . 

37,524 

567 

184 

85,         ... 

2,795 

573 

50  

36,773 

585 

169 

86,         ... 

2,222 

494 

- 

51,   . 

36,019 

609 

151 

87,         ... 

1,728 

419 

- 

52  

35,259 

631 

127 

88,         ... 

1,309 

347 

- 

53  

34,501 

659 

107 

89,         ... 

962 

281 

- 

54  

33,735 

685 

91 

90,         ... 

681 

220 

- 

55,   . 

32,959 

715 

76 

91,         ... 

461 

166 

- 

56,   . 

32,168 

743 

55 

92,         ... 

295 

120 

- 

57,    . 

31,370 

775 

41 

93,         ... 

175 

80 

- 

82 


COMMISSION  ON  PENSIONS. 


[Apr. 


Widow  Pensioners'  Table  —  Concluded. 


AGE. 

Sur- 
vivors. 

Deaths. 

With- 
drawals. 

.       AGE. 

Sur- 
vivors. 

Deaths. 

With- 
drawals. 

94  

95 

49 

- 

97,         ... 

7 

5 

- 

95,  . 

46 

27 

- 

98,         ... 

2 

1.5> 

- 

96  

19 

12 

- 

99,         ... 

.5 

.5 

- 

1  Decimals  were  used  to  avoid  necessity  for  larger  radix. 

MONETARY  VALUES. 

Interest  is  assumed  in  all  the  calculations  of  the  police  fund  at  4 
per  cent.  This  is  somewhat  lower  than  the  rate  of  interest  earned  on 
the  funds  of  the  school  teachers  of  Boston  at  the  present  time,  but 
it  is  thought  to  be  a  fair  rate  for  a  long  period  of  years.  It  is  a  rate 
that  could  probably  be  earned  by  the  city  on  any  funds  created  for 
pension  purposes. 

COMMUTATION  COLUMNS. 

The  various  tables  having  been  completed,  commutation  columns 
were  made  up  for  each  of  the  pensioners7  tables,  to  be  used  as  an  aid 
in  computing  annuity  values. 

ANNUITY  VALUES. 

With  the  help  of  the  commutation  columns  the  present  values  of 
the  various  pension  benefits  were  computed. 

These  values  were  applied  directly  to  the  amounts  of  pensions 
drawn  by  the  various  classes  of  pensioners  at  the  various  ages,  the 
result  giving  the  present  value  of  each  of  the  various  kinds  of  pension 
benefits  that  the  city  has  obligated  itself  to  pay.  These  work  tables 
are  too  voluminous  to  be  included  in  this  report. 

In  the  case  of  the  members  of  the  active  service,  since  they  have 
not  yet  come  on  the  pension  roll,  it  was  necessary  to  compute  also 
the  value  of  the  deferred  annuities  to  the  members  in  each  age  of 
the  service. 

In  the  case  of  the  invalid  pensioners,  both  existing  and  prospective, 
it  was  necessary  to  compute  three  annuity  values  in  order  to  cover 
the  disability  provision.  The  first  value  gives  the  amount  of  pension 
received  by  persons  retired  for  disability  caused  by  actual  perform- 
ance of  duty;  the  second  gives  the  amount  of  pension  received  by 


1914.]  HOUSE  — No.  2450.  83 

those  retired  after  fifteen  years'  but  less  than  twenty  years'  service 
for  disability  other  than  that  caused  by  actual  performance  of  duty; 
and  the  third  gives  the  amount  of  pension  received  by  persons  retired 
after  twenty  years  of  service  for  disability  other  than  that  caused 
by  actual  performance  of  duty.  It  would  have  been  possible  to  com- 
bine all  three  of  these  values  in  one  annuity  value,  but  it  was  thought 
well  to  keep  them  separate  for  the  purpose  of  comparison. 

In  the  case  of  widow  pensioners  it  was  necessary,  in  order  to  com- 
pute the  value  of  a  survivorship  annuity  to  a  widow,  to  show  how 
many  of  the  persons  who  die  are  husbands  and  to  show  the  age  of  the 
widow  at  the  death  of  the  husband.  It  was  assumed  that  the  pro- 
portion of  all  persons  dying  who  are  husbands  is  the  same  as  that 
shown  by  Mr.  Manly  in  his  paper  in  the  Journal  of  the  Institute  of 
Actuaries,  Vol.  XLIL,  p.  30.  It  was  assumed  that  husbands  dying 
at  age  29  or  younger  leave  widows  two  years  younger  than  them- 
selves; those  dying  from  30  to  35  years  of  age  leave  widows  three 
years  younger;  those  dying  at  age  35  to  40  leave  widows  four  years 
younger;  those  dying  at  ages  40  to  45  leave  widows  five  years 
younger;  and  those  dying  at  age  45  or  older  leave  widows  six  years 
younger  than  themselves. 

The  following  statement  shows  the  total  estimated  liabilities  of 
the  fund  as  of  Jan.  1,  1914,  to  be  $4,772,000 :  - 

Estimated    Total    Liabilities    of    the    Boston    Police    Pension    Fund,    as    of 

Jan.  13  1914. 
Present  value  of  — 
Pensions  to  131  members  now  on  regular  or  service 

pension  roll, $597,300 

Pensions  to  79  members  now  on  disability  or  in- 
valid pension  roll, 437,300 

Pensions  to  15  widows  now  on  widows'  pension 

roll,        .  54,350 

Total  existing  pensions,    ....  $1,088,950 

Present  value  of  — 
Pensions  to  present  members  of  active  force  who 

retire  on  regular  or  service  pensions,  .        .         $2,496,800 
Pensions  to  present  members  of  active  force  who 

retire  on  pensions  because  of  disability  — 

Resulting  from  performance  of  duty,  .        .        .  58,150 

From  other  causes,  after  — 

Fifteen  but  less  than  twenty  years'  service,      .  74,100 

Twenty  years'  service, 1,032,000 


84  COMMISSION  ON  PENSIONS.  [Apr. 

Pensions  to  widows  of  present  members  of  active 
force  who  may  be  killed  in  performance  of 

duty, $22,000 

Total  prospective   pensions,     ...  —    $3,683,050 


Grand  total  of  all  pensions, $4,772,000 

The  next  question  is,  What  amount,  expressed  in  terms  of  per 
cent,  of  the  employees'  salaries,  invested  at  the  rate  of  interest  as- 
sumed, would  be  necessary  to  meet  these  expenditures  by  the  city? 
To  determine  this  it  was  necessary  to  compute  annuity  values  show- 
ing the  present  value  of  annuities  equal  to  1  per  cent,  of  the  total 
salaries  of  employees  for  all  ages,  such  annuities  to  be  payable 
throughout  active  service.  It  is  obvious,  then,  that  the  per  cent,  of 
the  salary  required  to  pay  these  benefits  can  be  ascertained  by 
dividing  the  present  value  of  existing  and  prospective  pensions  by 
the  present  value  of  1  per  cent,  of  the  future  salaries  of  the  present 
active  force;  that  is,  $4,772,000  divided  by  $249,200  equals  19.15 
per  cent. 

The  situation  then  is  this :  the  city  of  Boston  has  a  choice  of  three 
methods  of  meeting  its  liabilities  for  pensions  to  the  existing  mem- 
bers of  the  Police  Pension  Fund  and  the  present  members  of  the 
active  service. 

1.  It  can  appropriate  and  invest  at  4  per  cent,  compound  interest 
a  cash  sum  of  $4,772,000. 

2.  It  can   appropriate  the  necessary   amount  each  year,   as  the 
pensions  come  due. 

3.  It  can  set  aside  each  year  during  the  remaining  years  of  service 
a  sum  equal  to  19.15  per  cent,  of  the  annual  salaries  of  the  present 
active  force,  investing  it  at  compound  interest. 

This  does  not  mean  that  the  city  would  have  to  appropriate  an 
amount  equaling  19.15  per  cent,  of  the  salaries  of  persons  coming 
into  the  service  hereafter  to  provide  for  their  pensions.  This  heavy 
tax  of  19.15  per  cent,  on  the  salaries  of  the  existing  force  is  due  to 
the  fact  that  the  accrued  liabilities  for  pensions  to  existing  pensioners, 
and  proportionate  parts  of  pensions  earned  by  the  existing  active 
force,  were  not  provided  for  during  past  years  when  they  were  as- 
sumed. Considering  the  pensions  that  will  accrue  to  persons  entering 
the  service  hereafter  as  a  separate  matter,  it  is  clear  that  a  much 
smaller  per  cent,  of  salary  will  be  necessary  to  provide  the  pensions. 


1914.] 


HOUSE  — No.  2450. 


85 


The  question  in.  this  case  is,  What  amount  of  money  expressed  in 
terms  of  per  cent,  of  salaries  of  the  active  force  will  have  to  he  set 
aside  and  invested  at  4  per  cent,  interest  at  the  time  the  obligation 
for  the  pension  is  assumed,  i.e.,,  at  the  time  the  policemen's  services 
are  rendered  and  the  salary  for  them  paid,  in  order  to  meet  the  pen- 
sion payments  as  they  accrue  ?  That  question  is  answered  hy  the  fol- 
lowing table,  which  shows  the  estimated  contributions  required  of 
new  entrants  into  the  service  for  pensions  granted  under  present  re- 
tirement provisions:  — 

Estimated  Contributions  required  of  New  Entrants  into  the  Service  of  the  Boston 
Police  Force  for  Pensions  granted  Under  the  Present  Retirement  Provisions 
(expressed  as  a  Percentage  of  Salaries  paid) . 


AMOUNT  NECESSARY  TO  PROVIDE  FOR  PENSIONS  GRANTED  ON  ACCOUNT  OP  — 

AGE  AT  ENTRY. 

1 

.1 

I 

from  Other 
ifter  Fifteen 
than  Twenty 
ervice. 

from  Other 
ifter  Twenty 
ervice. 

\r 

8 

oS 

i 

f  Members 
Actual  Per- 
s  of  Duty. 

l+ 
&£ 

rjCfl 

O  ^3 

£OT  $M 

£>» 

>s^      O 

„&  O 

>  £ 

S  s 

o  S 

111 

111 

la. 

*f 

ill 

®  w 

rl 

Illl 

III 

111 

rs 

PH 

° 

o 

S/ 

2 

^ 

(a) 

(b) 

(c) 

(d) 

(e) 

(*) 

(g) 

(b.) 

(i) 

26  

3.13 

0.13 

1.72 

0.19 

2.04 

5.17 

0.08 

5.25 

27,   . 

3.27 

0.14 

1.75 

0.20 

2.09 

5.36 

0.09 

5.45 

28  

3.42 

0.16 

1.79 

0.20 

2.15 

5.57 

0.10 

5.67 

29  

3.61 

0.17 

1.82 

0.21 

2.20 

5.81 

0.11 

5.92 

30,    .        .        .        . 

3.80 

0.19 

1.86 

0.22 

2.27 

6.07 

0.12 

6.19 

31  

4.02 

0.21 

1.90 

0.22 

2.33 

6.35 

0.13 

6.48 

32,    . 

4.26 

0.25 

1.91 

0.23 

2.39 

6.65 

0.14 

6.79 

33,    .... 

4.53 

0.31 

1.89 

0.23 

2.43 

6.96 

0.14 

7.10 

86  COMMISSION  ON  PENSIONS.  [Apr. 


3.     FIREMEN'S    PENSION   FUND. 

The  Firemen's  Pension  Fund  of  the  city  of  Boston  is,  like  the 
Police  Pension  Fund,  noncontributory.  All  benefits  are  paid  out  of 
public  funds.  Pensions  are  granted  for  length  of  service  and  for 
disability.  Pensions  are  also  allowed  the  widows  and  children  of 
firemen  killed  in  the  discharge  of  their  duties.  A  further  sum  of 
$1,000  is  paid  by  the  Commonwealth  to  the  widows  or  children  in 
case  of  death  within  sixty  days  from  date  of  injury  if  injury  is  re- 
ceived in  the  discharge  of  duty. 

Eetirement  from  the  service  is  made  by  the  fire  commissioner  with 
the  approval  of  the  mayor. 

BENEFITS. 

The  benefits  authorized  by  law  under  this  system  are  as  follows :  — 
Service  Pensions.  —  1.  One-half    final    salary    at    age    55    after 
twenty-five  years  of  service.     Granted  at  option  of  employee. 

2.  One-half  final  salary  after  fifteen  years'  service.     Granted  at 
discretion  of  fire  commissioner. 

3.  Maximum  annuity  of  $125  to  call  men  honorably  discharged 
who  have  had  fifteen  years'  service.     Granted  by  city  council  with 
approval  of  mayor  and  fire  commissioner. 

Disability  Pensions.  —  1.  Two-thirds  final  salary  for  permanent 
disability  in  actual  performance  of  duty. 

2.  One-half  final  salary  for  mental  or  physical  disability  after 
fifteen  years  of  service.     Certificate  to  fire  commissioner. 

3.  Pension  allowed,  but  amount  not  stated,  for  mental  or  physical 
disability  within  first  fifteen  years  of  service.     Certificate  to  fire 
commissioner. 

Widows'  and  Children's  Pensions.  —  1.  A  $1,000  assurance  if 
employee  dies  from  injuries  received  in  performance  of  duty. 

2.  A  maximum  pension  of  $300  is  granted  to  widows  of  members 
killed  in  performance  of  duty. 

3.  A  maximum  pension  of  $300  is  granted  to  children  of  members 
killed  in  performance  of  duty,  to  run  until  youngest  child  reaches 
age  16,  but  not  during  life  of  widow. 

!N"oTE.  —  There  are  no  children  pensioners  on  the  roll  at  present, 
and  no  figures  in  regard  to  children  are  shown. 


1914.]                               HOUSE  — No.  2450.  87 

The  cards  sent  in  for  the  firemen  covered  a  long  period,  but  the 
experience  was  narrow,  as  will  be  seen  from  the  following  statement 
of  data  submitted :  — 

Number  of  resignations, •  106 

Number  of  dismissals, .        .  65 

Number  of  deaths, 54 

Number  of  retirements, 142 

Total    number    of    persons    leaving    active    force    during    period 
1905-14, .367 

Total  number  of  persons  in  active  force, 992 

Total  number  of  regular  members  on  service  pension,   . 

Total  number  of  regular  members  on  disability  pension,        .                 .  120 

Total  number  of  call  men  on  pension, 45 


Total, 1,194 

The  statistics  presented  were  tabulated  and  tables  of  exposure 
made  from  them.  The  rates  deduced  were  (1)  the  rates  of  mor- 
tality for  the  active  service,  (2)  the  rates  of  resignation  and  (3) 
the  rates  of  leaving  the  service  on  a  pension,  which  included  really 
three  rates,  i.e.,  the  rate  of  disability  for  disablements  incurred  in 
the  actual  performance  of  duty,  the  rate  of  disability  for  all  other 
causes  and  the  rate  of  retirement  on  a  service  pension.  The  cards 
sent  in  did  not  show  for  what  cause  members  were  retired  on  a  pen- 
sion. It  had  to  be  assumed,  therefore,  that  all  retirements,  up  to 
about  the  age  at  which  retirement  is  granted  on  a  regular  service 
pension,  were  on  account  of  disability.  The  total  rate  of  leaving  the 
service  on  a  pension  was  divided  into  three  rates,  —  two  of  disability 
and  one  of  retirement  on  service  pension. 

RATES  OF  MORTALITY. 

As  in  the  valuation  of  the  Police  Pension  Fund,  two  different  rates 
of  mortality  were  necessary  in  order  to  make  the  calculations  in  re- 
gard to  the  separation  from  the  active  service  due  to  death.  These 
are  the  rate  of  death  from  ordinary  causes  and  the  rate  of  death 
from  accident  incurred  in  line  of  duty.  The  mortality  rates  deduced 
from  the  experience  of  the  Boston  firemen  are  illustrated  in  the  fol- 
lowing summary  table :  — 


88 


COMMISSION  ON  PENSIONS. 


[Apr. 


Rates  of  Mortality  while  in  Active  Service. 


AGE. 

From 
Ordinary 
Causes. 

From 
Accident 
in  Per- 
formance 
of  Duty. 

Total 
Rate  of 
Mor- 
tality. 

AGE. 

From 
Ordinary 
Causes. 

From 
Accident 
in  Per- 
formance 
of  Duty. 

Total 
Rate  of 
Mor, 
tality. 

25,          ... 
30,          ... 

.0032 
0033 

.0002 

.0032 
.0035 

55,          ... 

60,          ... 

.0111 
.0195 

.0015 
.0007 

.0126 
.0202 

35,          ... 
40,          ... 

.0037 
.0043 

.0013 
.0025 

.005Q 
.0068 

*....... 

70,          ... 

.0393 
.0596 

.0393 
.0596 

45,          ... 

.0056 

.0025 

.0081 

75,          ... 

.0872 

- 

.0872 

50,          ... 

.0077 

.0022 

.0099 

For  calculating  the  mortality  of  service  and  of  invalid  pensioners 
among  retired  firemen,  the  mortality  rates  shown  by  the  experience 
of  the  New  York  police  fund  were  adopted.  These  are  illustrated  in 
the  summary  tables  on  page  69,  in  that  part  of  this  report  which  has 
to  do  with  the  police  fund. 

For  calculating  the  mortality  among  widow  pensioners,  the  rate 
adopted  was,  as  in  the  case  of  the  New  York  and  Boston  policemen's 
widows,  that  shown  by  the  Combined  Experience  Table  of  Mortality. 
It  is  illustrated  in  the  summary  table  on  page  70,  in  that  part  of 
this  report  which  deals  with  the  police  fund. 

RATE  OF  RESIGNATION  AND  DISMISSAL. 

The  rate  of  resignation  made  up  from  the  experience  of  the  Bos- 
ton firemen  is  shown  in  the  following  summary  table :  — 


Rate  of  Resignation  and  Dismissal. 


AGE. 

Resignation 
and 

AGE. 

Resignation 
and 

Dismissal. 

Dismissal. 

25  

.0413 

45  

0135 

30  

.0265 

50,      

0103 

35  

.0195 

55  

.0040 

40  

.0158 

1914.]  HOUSE  — No.  2450.  89 

The  rules  of  the  firemen's  service,  unlike  those  of  the  police  service, 
make  no  provision  for  the  revocation  of  a  widow's  pension  in  case 
of  her  remarriage.  The  only  limitation  put  upon  the  widow's  pen- 
sion is  contained  in  the  words,  "  but  the  fire  commissioner  may,  from 
time  to  time,  order  such  annuity  to  be  reduced."  It  was  assumed, 
however,  that,  in  case  of  the  remarriage  of  the  widow,  the  pension 
would  be  revoked  in  accordance  with  the  general  practice  in  pension 
funds.  Since  it  is  desired,  above  all  things,  to  avoid  overstating  lia- 
bilities, it  seemed  best,  in  the  absence  of  any  information  on  the 
subject,  to  calculate  the  cost  on  the  basis  of  revocation  of  the  widow's 
benefit  in  case  of  remarriage.  The  rate  used  is  that  drawn  from  the 
experience  of  the  New  York  police  force  and  will  be  found  on  page 
70  of  that  part  of  this  report  which  has  to  do  with  the  Boston 
police  fund. 

KATES  OF  RETIREMENT. 

As  explained  above,  the  cards  did  not  show  for  what  cause  mem- 
bers now  on  the  pension  roll  were  retired  from  active  service.  The 
total  rate  of  retirement  was  therefore  divided  into  three  parts,  as 
shown  in  the  following  table.  The  rate  adopted  for  disability  in 
actual  performance  of  duty  is  5  per  cent,  of  the  total  rate  of  leaving 
the  service  on  pension  to  age  50;  then  4  per  cent,  of  the  total  rate 
of  leaving  the  service  on  pension  at  age  51 ;  then  3  per  cent,  of  the 
total  rate  of  leaving  the  service  on  pension  at  age  52.  The  rate 
adopted  for  disability  other  than  that  incurred  in  actual  perform- 
ance of  duty  is  95  per  cent,  of  the  total  rates  of  leaving  the  service 
on  pension  to  and  including  age  50;  76  per  cent,  at  age  51;  57 
per  cent,  at  age  52 ;  38  per  cent,  at  age  53;  19  per  cent,  at  age  54; 
and  0  per  cent,  at  age  55.  The  rate  of  retirement  on  regular  or 
service  pension  adopted  is  the  total  rate  of  leaving  the  service  on 
pensions  less  the  combined  rates  of  disability  retirement. 


90 


COMMISSION  ON  PENSIONS. 


[Apr. 


Rate  of  Retirement  on  Pensions. 


AGE. 

Total  Rate 
of  leaving 
Service  on 
Pensions. 

Adopted 
Rate  of 
Disability 
in  Actual 
Per- 
formance 
of  Duty.1 

Adopted 
Rate  of 
Disability 
Other  than 
in  Actual 
Per- 
formance 
of  Duty.2 

Adopted 
Rate  of 
Retirement 
on  Regu- 
lar or 
Service 
Pension.8 

22  

.0011 

.0001 

.0011 

- 

23,                   

.0017 

..0001 

.0016 

_ 

24  

.0022 

.0001 

.0021 

- 

25  

.0027 

.0001 

.0026 

- 

26,          

.0031 

.0002 

.0030 

- 

27  

.0036 

.0002 

.0034 

- 

28,          

0041 

.0002 

.0039 

_ 

29,          

.0045 

.0002 

.0043 

- 

30  

.0050 

.0003 

.0048 

- 

31  

.0055  ' 

.0003 

.0052 

- 

32,          

0061 

.0003 

.0058 

_ 

33  

.0066 

.0003 

.0063 

- 

34,          

0071 

.0004 

.0068 

35,          

.0077 

.0004 

.0073 

- 

36  

.0083 

.0004 

.0079 

- 

37  

.0088 

.0004 

.0084 

- 

38,          

.0095 

.0005 

.0090 

- 

39,          

0103 

.0005 

.0098 

40,          

0109 

.0006 

.0104 

41  

.0117 

.0006 

.0111 

- 

42  

.0128 

.0007 

.0122 

- 

43,          

.0140 

.0007 

.0133 

44,          

.0160 

.0008 

.0152 

- 

45  

.0180 

.0009 

.0171 

- 

46  

.0200 

.0010 

.0190 

47  

.0235 

.0012 

.0223 

- 

48,          

.0255 

.0013 

.0242 

- 

49,          

.0280 

.0014 

.0266 

- 

50  

.0320 

.0016 

.0304 

1  This  adopted  rate  is  5  per  cent,  of  the  total  rate  of  leaving  service  on  pension  to  age  50;  then  4  per  cent, 
of  the  total  rate  of  leaving  service  on  pension  at  age  51;  then  3  per  cent,  of  the  total  rate  of  leaving  service 
on  pension  at  age  52,  etc. 

2  This  adopted  rate  is  95  percent,  of  the  total  rate  of  leaving  service  on  pension  to  and  including  age  50; 
76  per  cent,  at  age  51;   57  per  cent,  at  age  52;  38  per  cent,  at  age  53;  19  per  cent,  at  age  54;  0  per  cent,  at 
age  55. 

1  This  adopted  rate  is  the  total  of  leaving  service  on  pensions  less  the  combined  rates  of  disability 
retirement. 


1914.1 


HOUSE  — No.  2450. 


91 


Rate  of  Retirement  on  Pensions  —  Concluded. 


AGE. 

Total  Rate 
of  leaving 
Service  on 
Pensions. 

Adopted 
Rate  of 
Disability 
in  Actual 
Per- 
formance 
of  Duty.  > 

Adopted 
Rate  of 
Disability 
Other  than 
in  Actual 
Per- 
formance 
of  Duty.  2 

Adopted 
Rate  of 
Retirement 
on  Regu- 
lar or 
Service 
Pension.  3 

51  

.0355 

.0014 

.0270 

.0071 

52  

.0400 

.0012 

0228 

.0160 

53,          

0455 

0009 

0173 

0273 

54,          

.0500 

.0005 

0095 

0400 

55  

.0560 

0560 

56,          
57  
58  

.0640 
.0720 
.0815 

- 

- 

.0640 
.0720 
.0815 

59,          

0915 

0915 

60  

.1035 

.1035 

61,          
62  

.1155 
.1275 

- 

- 

.1155 
.1275 

63,          

.1415 

.1415 

64,                   .        '  

.1595 

.1595 

65  

66,          ...                 ... 

.1775 
1980 

- 

- 

.1775 
1980 

67  
68  
69,          

.2200 
.2475 
.2780 

- 

- 

.2200 
.2475 
.2780 

70  
71,          

.3200 
.4100 

- 

- 

.3200 
.4100 

72  

5200 

.5200 

73  

6255 

.6255 

74  

.7300 

.7300 

75  
76,          

.8355 
.9255 

- 

- 

.8355 
.9255 

1  This  adopted  rate  is  5  per  cent,  of  the  total  rate  of  leaving  service  on  pension  to  age  50;  then  4  per  cent . 
of  the  total  rate  of  leaving  service  on  pension  at  age  51 ;  then  3  per  cent,  of  the  total  rate  of  leaving  service 
on  pension  at  age  52,  etc. 

2  This  adopted  rate  is  95  per  cent,  of  the  total  rate  of  leaving  service  on  pension  to  and  including  age  50; 
76  per  cent,  at  age  51;  57  per  cent,  at  age  52;  38  per  cent,  at  age  53;  19  per  cent,  at  age  54;  0  per  cent,  at 
age  55. 

3  This  adopted  rate  is  the  total  of  leaving  service  on  pensions  less  the  combined  rates'of  disability  re- 
irement. 

Summarizing  the  above,  a  table  showing  the  rates  deduced  and 
the  rates  adopted  is  given  herewith. 


92 


COMMISSION  ON  PENSIONS. 


[Apr. 


Rates  used. 


AGE. 

RATES  OF  MORTALITY. 

RATES  OF 
WITHDRAWAL 

DUE  TO  — 

RATES  OF  RETIREMENT 

DUE  TO  — 

ACTIVE  SERVICE. 

PENSIONERS. 

Ordinary  Causes. 

Performance 
of  Duty. 

1 

Invalid 
Pensioners. 

Widow  Pensioners. 

Resignation  and 
Dismissal. 

Remarriage  of 
Widow  Pension- 
ers. 

Disability  in 
Actual  Perform- 
ance of  Duty. 

Si 

P 

Retirement  o  n 
Service  P  e  n  - 
sions. 

22,   . 

.0031 

- 

- 

.2452 

.0075 

.0502 

.0542 

.0001 

.0011 

- 

23,   . 

.0031 

- 

- 

.2310 

.0076 

.0477 

.0481 

.0001 

.0016 

- 

24,   . 

.0032 

- 

- 

.2173 

.0077 

.0447 

.0430 

.0001 

.0021 

- 

25,   . 

.0032 

- 

- 

.2037 

.0078 

.0413 

.0387 

.0001 

.0026 

- 

26,   .    .    . 

.0032 

- 

- 

.1910 

.0079 

.0378 

.0349 

.0002 

.0030 

- 

27,   . 

.0032 

- 

- 

.1784 

.0080 

.0345 

.0314 

.0002 

.0034 

- 

28,   . 

.0032 

- 

- 

.1659 

.0081 

.0313 

.0286 

.0002 

.0039 

- 

29,   . 

.0033 

- 

- 

.1535 

.0083 

.0287 

.0261 

.0002 

.0043 

- 

30,   . 

.0033 

.0002 

- 

.1408 

.0084 

.0265 

.0238 

.0003 

.0048 

- 

31,   . 

.0033 

.0003 

- 

.1298 

.0086 

.0247 

.0219 

.0003 

.0052 

- 

32,   . 

.0034 

.0005 

- 

.1195 

.0087 

.0232 

.0202 

.0003 

.0058 

- 

33,  . 

.0035 

.0008 

- 

.1096 

.0089 

.0217 

.0187 

.0003 

.0063 

- 

34,  . 

.0036 

.0010 

- 

.1002 

.0091 

.0205 

.0173 

.0004 

.0068 

- 

35,  . 

.0037 

.0013 

- 

.0922 

.0093 

.0195 

.0159 

.0004 

.0073 

- 

36,  . 

.0038 

.0016 

- 

.0840 

.0095 

.0186 

.0149 

.0004 

.0079 

- 

37,  .    .    . 

.0039 

.0018 

- 

.0769 

.0097 

.0178 

.0137 

.0004 

.0084 

- 

38,  . 

.0040 

.0022 

- 

.0702 

.0099 

.0171 

.0128 

.0005 

.0090 

- 

39,   . 

.0042 

.0024 

- 

.0643 

.0101 

.0164 

.0118 

.0005 

.0098 

- 

40,  . 

.0043 

.0025 

- 

.0600 

.0104 

.0158 

.0114 

.0006 

.0104 

- 

41,  . 

.0046 

.0026 

- 

.0557 

.0106 

.0154 

.0102 

.0006 

.0111 

- 

42,   . 

.0048 

.0026 

- 

.0514 

.0109 

.0148 

.0094 

.0007 

.0122 

- 

43,   . 

.0050 

.0026 

- 

.0480 

.0113 

.0144 

.0087 

.0007 

.0133 

- 

44,   . 

.0053 

.0026 

- 

.0454 

.0117 

.0139 

.0080 

.0008 

.0152 

- 

45,   . 

.0056 

.0025 

- 

.0424 

.0122 

.0135 

.0074 

.0009 

.0171 

- 

46,   . 

.0059 

.0025 

- 

.0404 

.0128 

.0130 

.0068 

.0010 

.0190 

- 

47,   . 

.0062 

.0024 

- 

.0390 

.0135 

.0125 

.0063 

.0012 

.0223 

- 

48,   . 

.0066 

.0023 

- 

.0378 

.0143 

.0118 

.0056 

.0013 

.0242 

- 

49,   . 

.0071 

.0022 

- 

.0365 

.0151 

.0112 

.0049 

.0014 

.0266 

- 

50,  . 

.0077 

.0022 

- 

.0358 

.0159 

.0103 

.0046 

.0016 

.0304 

- 

51,  . 

.0082 

.0020 

- 

.0352 

.0169 

.0094 

.0042 

.0014 

.0270 

.0071 

52,  . 

.0088 

.0019 

- 

.0350 

.0179 

.0083 

.0036 

.0012 

.0228 

.0160 

53,  . 

.0090 

.0018 

- 

.0352 

.0191 

.0070 

.0031 

.0009 

.0173 

.0273 

1914.! 


HOUSE  — No.  2450. 


93 


Rates  used  —  Continued. 


AGE. 

RATES  OP  MORTALITY. 

RATES  OP 
WITHDRAWAL 

DUE  TO  — 

RATES  OF  RETIREMENT 

DUB  TO  — 

ACTIVE  SERVICE. 

PENSIONERS. 

1 

Performance 
of  Duty. 

Regular 
Pensioners. 

Invalid 
Pensioners. 

Widow  Pensioners. 

•d 

11 
So 

'IS 
« 

Remarriage  of 
Widow  Pension- 
ers. 

Disability  in 
Actual  Perform- 
ance of  Duty. 

%  . 

s| 

Is 

P 

Retirement  o  n 
Service  P  e  n  - 
sions. 

54,   . 

.0102 

.0017 

- 

.0360 

.0203 

.0056 

.0027 

.0005 

.0095 

.0400 

55,  . 

.0111 

.0015 

.0436 

.0369 

.0217 

.0040 

.0023 

- 

- 

.0560 

56,  ... 

.0121 

.0014 

.0449 

.0380 

.0231 

.0023 

.0017 

- 

- 

.0640 

57,  . 

.0133 

.0012 

.0463 

.0390 

.0247 

.0003 

.0013 

- 

- 

.0720 

58,   . 

.0148 

.0010 

.0478 

.0408 

.0264 

- 

.0009 

- 

- 

.0815 

59,   . 

.0168 

.0009 

.0495 

.0425 

.0282 

- 

.0004 

- 

- 

.0915 

60,   . 

.0195 

.0007 

.0513 

.0449 

.0303 

- 

- 

- 

- 

.1035 

61,   .  •   . 

.0233 

.0005 

.0533 

.0479 

.0326 

- 

- 

- 

- 

.1155 

62,   . 

.0272 

.0003 

.0554 

.0502 

.0351 

- 

- 

- 

- 

.1275 

63,   . 

.0313 

.0002 

.0578 

.0539 

.0378 

- 

- 

- 

- 

.1415 

64,   ... 

.0350 

- 

.0603 

.0565 

.0408 

- 

- 

- 

- 

.1595 

65,   ... 

.0393 

- 

.0632 

.0602 

.0441 

- 

- 

- 

- 

.1775 

66,   . 

.0432 

- 

.0662 

.0650 

.0476 

- 

- 

- 

- 

.1980 

67,   . 

.0472 

- 

.0696 

.0688 

.0515 

- 

- 

- 

- 

.2200 

68,  ... 

.0512 

- 

.0732 

.0740 

.0556 

- 

- 

- 

- 

.2475 

69,   . 

.0553 

- 

.0772 

.0797 

.0600 

- 

- 

- 

- 

.2780 

70,   . 

.0596 

- 

.0814 

.0843 

.0649 

- 

- 

- 

- 

.3200 

71,   . 

.0642 

- 

.0860 

.0904 

.0702 

- 

- 

- 

- 

.4100 

72,   . 

.0692 

- 

.0909 

.0975 

.0758 

- 

- 

- 

- 

.5200 

73,   . 

.0747 

- 

.0961 

.1040 

.0819 

- 

- 

- 

- 

.6255 

74,   ... 

.0807 

- 

.1017 

.1120 

.0885 

- 

- 

- 

- 

.7300 

75,   . 

.0872 

- 

.1077 

.1200 

.0956 

- 

- 

- 

- 

.8355 

76,   .   .    . 

.0943 

- 

.1141 

.1300 

.1032 

- 

- 

- 

- 

.9255 

77,   . 

- 

- 

.1210 

.1400 

.1115 

- 

- 

- 

- 

- 

78,   ... 

- 

- 

.1284 

.1500 

.1204 

- 

- 

- 

- 

- 

79,   . 

- 

- 

.1364 

.1645 

.1301 

- 

- 

- 

- 

- 

80,   . 

- 

- 

.1450 

.1800 

.1404 

- 

- 

- 

- 

- 

81,   . 

- 

- 

.1542 

.1960 

.1514 

- 

- 

- 

- 

- 

82,   . 

- 

- 

.1641 

.2140 

.1632 

- 

- 

- 

- 

- 

83,  . 

- 

- 

.1747 

.2360 

.1759 

- 

- 

- 

- 

- 

84,   .. 

- 

- 

.1860 

.2570 

.1897 

- 

- 

- 

- 

- 

85,  . 

- 

- 

.1984 

.2820 

.2051 

- 

- 

- 

- 

- 

COMMISSION  ON  PENSIONS. 


(Apr. 


Rates  used  —  Concluded. 


AGE. 

RATES  OP  MORTALITY. 

RATES  OF 
WITHDRAWAL 

DUE  TO  — 

RATES  OP  RETIREMENT 

DUE  TO  — 

ACTIVE   SERVICE. 

PENSIONERS. 

Ordinary  Causes. 

Performance 
of  Duty. 

Regular 
Pensioners. 

Invalid 
Pensioners. 

Widow  Pensioners. 

Resignation  and 
Dismissal. 

Remarriage  of 
Widow  Pension- 
ers. 

Disability  in 
Actual  Perform- 
ance of  Duty. 

13 

is 

11 

03Q 

3 

Retirement  o  n 
Service  P  e  n  - 
sions. 

86,     . 

- 

- 

.2117 

.3120 

.2225 

- 

- 

- 

- 

- 

87,      . 

- 

- 

.2263 

.3450 

.2422 

- 

- 

- 

- 

- 

88,     .        .        . 

- 

- 

.2424 

.3840 

.2653 

- 

- 

- 

- 

- 

89,      ... 

- 

- 

.2597 

.4260 

.2924 

- 

- 

- 

- 

- 

90,      . 

- 

- 

.2782 

.4695 

.3237 

- 

- 

- 

- 

- 

91,      . 

- 

- 

.2974 

.5150 

.3610 

- 

- 

- 

- 

- 

92,      . 

- 

- 

.3141 

.5603 

.4053 

- 

- 

- 

- 

- 

93,      . 

- 

- 

.3299 

.6100 

.4572 

- 

- 

- 

- 

- 

94,      . 

- 

- 

.3507 

.6620 

.5163 

- 

- 

•       - 

- 

- 

93,      . 

- 

- 

.3843 

.7220 

.5843 

- 

- 

- 

- 

96,      . 

- 

- 

.4455 

.7945 

.6486 

- 

- 

- 

- 

- 

97,      . 

- 

- 

.5614 

.8740 

.6923 

- 

- 

- 

- 

- 

98,      . 

- 

- 

.6750 

.9820 

.7500 

- 

- 

- 

- 

- 

99,      . 

- 

- 

.7500 

1.0000 

1.0000 

- 

- 

- 

- 

- 

100,    . 

- 

- 

1.0000 

- 

- 

•    - 

- 

- 

- 

- 

With  the  help  of  these  rates,  service  tables  for  the  active  force, 
regular  pensioners,  invalid  pensioners  and  widow  pensioners  were  con- 
structed. It  will  be  noted  that  for  the  table  for  the  active  force  data 
drawn  from  the  experience  of  the  service  were  available. 

Service  Table  for  Active  Force. 


a 

-1 

3 

"o 

|(j 

I 

AGE. 

•BIOAIAJt 

esignations  a 
Dismissals. 

eaths  Other  1 
Accidental. 

eaths  Acciden 

i  s  a  b  1  erne 
in  Performanc 
Duty. 

fit 
P5 

in 

B  r  v  i  c  e  Re 
ments. 

1 

£ 

g 

Q 

P 

Q 

p 

OJ 

22  

100,000 

5,020 

310 

- 

6 

105 

- 

5,441 

23  

94,559 

4,510 

280 

- 

8 

146 

- 

4,944 

24,  . 

89,615 

4,001 

282 

- 

10 

187 

- 

4,480 

1914.] 


HOUSE  — No.  2450. 


95 


Service  Table  for  Active  Force  —  Continued. 


13 

§ 

^0 

li 

£ 

a 

rS 

"M 

•°  £ 

a 

M 
d 

fl  § 
®  a 

s|* 

'O 

$ 

"S 

AGE. 

gi 

ll 

I 

2g 
•  S 

3£3 
g  P 

K 

9 

I 

Survivor 

1 

"  g 
^ 

F 

J 

I 

*$± 

aPn-g 

JSJ 

I'2o 

2§8 

|li 

S  e  r  v  i  c 
ments. 

I 

25  

85,135 

3,516 

270 

- 

12 

219 

_ 

4,017 

26  

81,118 

3,062 

258 

- 

13 

239 

- 

3,572 

27,  . 

77,546 

2,671 

248 

- 

14 

265 

- 

3,198 

28  

74,348 

2,324 

240 

- 

16 

290 

- 

2,870 

29  

71,478 

2,051 

232 

- 

16 

306 

- 

2,605 

30  

68,873 

1,822 

225 

10 

17 

327 

- 

2,401 

31  

66,472 

1,639 

219 

21 

19 

348 

- 

2,246 

32  

64,226 

1,490 

218 

33 

20 

373 

- 

2,134 

33  

62,092 

1,347 

215 

47 

20 

389 

- 

2,018 

34  

60,074 

1,232 

213 

60 

22 

405 

- 

1,932 

35,  . 

58,142 

1,131 

212 

76 

23 

426 

- 

1,868 

36  

56,274 

1,044 

211 

89 

24 

444 

- 

1,812 

37,  . 

54,462 

967 

210 

100 

24 

455 

- 

1,756 

38,  . 

52,706 

899 

211 

113 

25 

476 

- 

1,724 

39  

50,982 

834 

214 

121 

27 

499 

- 

1,695 

40  

49,287 

779 

212 

125 

27 

511 

- 

1,654 

41  

47,633 

731 

217 

126 

28 

530 

- 

1,632 

42,  . 

46,001 

679 

219 

121 

30 

559 

- 

1,608 

43  

44,393 

639 

220 

116 

31 

590 

- 

1,596 

44,  . 

42,797 

595 

225 

111 

34 

651 

- 

1,616 

45,  . 

41,181 

554 

229 

105 

37 

704 

- 

1,629 

46,  . 

39,552 

512 

231 

98 

40 

712 

- 

1,593 

47,  . 

^7959 

473 

235 

91 

45 

848 

1,692 

48  

36,267 

426 

239 

85 

46 

879 

- 

1,675 

49  

34,592 

386 

246 

77 

48 

920 

- 

1,677 

50  

32,915 

337 

252 

71 

53 

1,001 

- 

1,714 

51  

31,201 

292 

256 

63 

44 

842 

222 

1,719 

52  

29,482 

245 

258 

56 

35 

672 

472 

1,738 

53  

27,744 

194 

•   248 

50 

25 

480 

757 

1,754 

54,  . 

25,990 

144 

265 

43 

13 

247 

1,040 

1,752 

55,  . 

24,238 

97 

269 

37 

- 

- 

1,357 

1,760 

56  

22,478 

52 

272 

31 

- 

- 

1,439 

1,794 

57,  . 

20,684 

6 

275 

25 

- 

- 

1,489 

1,795 

58  

18,889 

- 

280 

19 

- 

- 

1,539 

1,838 

COMMISSION  ON  PENSIONS. 


Service  Table  for  Active  Force  —  Concluded. 


d 
a 

1 

| 

-P  ° 

°h 

IL 

i 
1 

a 

AGE. 

f 

'£> 

esignations 
Dismissals. 

eaths  Other 
Accidental. 

1 

i 

i  s  ab  1  e  m 
in  Performa 
Duty. 

isablements 
than  in  Pe 
ance  of  Dut 

05 
W 

1 

05 

K 

Q 

Q 

c 

Q 

05 

EH 

59  

17,051 

- 

286' 

15 

- 

- 

1,560 

1,861 

60,  . 

15,190 

- 

295 

11 

- 

- 

1,572 

1,878 

61  

13,312 

- 

310 

7 

- 

- 

1,538 

1,855 

62  

11,457 

- 

312 

4 

- 

- 

1,461 

1,777 

63  

9,680 

- 

303 

2 

- 

- 

1,370 

1,675 

64,  . 

8,005 

- 

280 

- 

- 

- 

1,277 

1,557 

65  

6,448 

- 

254 

- 

- 

- 

1,145 

1,399 

66  

5,049 

- 

218 

- 

- 

- 

1,000 

1,218 

67,  . 

3,831 

- 

181 

- 

- 

- 

843 

1,024 

68  

2,807 

- 

144 

- 

- 

- 

695 

839 

69  

1,968 

- 

109 

- 

- 

- 

547 

656 

70  

1,312 

- 

78 

-  ' 

- 

- 

420 

498 

71,  . 

814 

- 

52 

- 

- 

- 

334 

386 

72  

428 

- 

30 

- 

- 

- 

223 

253 

73  

175 

- 

13 

- 

- 

- 

109 

122 

74  

53 

- 

4 

- 

- 

- 

39 

43 

75  

10 

- 

1 

- 

- 

- 

8 

9 

76,  . 

1 

- 

-11 

- 

- 

- 

.9 

1 

1  Decimals  were  used  to  avoid  necessity  for  larger  radix. 

The  service  tables  for  the  regular  pensioners,  invalid  pensioners 
and  widow  pensioners  are  the  same  as  those  used  for  the  regular 
pensioners,  invalid  pensioners  and  widow  pensioners  of  the  police 
fund,  which  are  given  on  pages  79  to  81  of  this  report. 


SALARY  SCALE. 

The  salary  scale  used  in  these  calculations  for  the  Boston  firemen 
was  based  on  the  pay  roll  of  the  service  for  one  year. 


HOUSE  — No.  2450. 


97 


Salary  Scale. 


AGE. 

Salary 
Scale. 

AGE. 

Salary 
Scale. 

23  

$720 

50  

$1,562 

24  

855 

51  

1,587 

25,     

940 

52  

1,611 

26  

1,008 

53  

1,634 

27  '       . 

1,060 

54  

1,661 

28  

1,100 

55  

1,682 

29  

1,135 

56,      

1,707 

30  

1,163 

57  

1,727 

31  

1,190 

58  

1,743 

32  

1,215 

59  

1,762 

33  

1,237 

60  

1,778 

34  

1,260 

61  

1,792 

35,      

1,278 

62  

1,802 

36  

1,298 

63  

1,813 

37,      

1,315 

64  

1,822 

38  

1,335 

65  

1,828 

39  

1,352 

66  

1,834 

40  

1,370 

67  

1,837 

41,     

1,388 

68  

1,838 

42,      

1,408 

69  

1,8391 

43  

1,427 

70,      .         .         

1,837 

44  

1,442 

71  

1,836 

45  

1,460 

72,      

1,835 

46,     

1,480 

73  

1,834 

47,     

1,500 

74,      

1,833 

48,     

1,520 

75  

1,832 

49  

1,540 

76  

1,831 

»  Estimated  from  age  69  to  end  of  table. 

MONETARY  VALUES. 

Interest  is  assumed  in  all  the  calculations  of  the  firemen's  fund 
at  4  per  cent. 

COMMUTATION  COLUMNS. 

The  various  tables  having  been  completed,  commutation  columns 
were  made  up  for  each  of  the  pensioners'  tables,  to  be  used  as  an  aid 
in  computing  annuity  values. 


98 


COMMISSION  ON  PENSIONS. 


[Apr. 


ANNUITY  VALUES. 

With  the  help  of  the  commutation  columns  the  present  values  of 
the  various  pension  benefits  were  computed.  These  values  were  ap- 
plied directly  to  the  amounts  of  pensions  drawn  by  the  various  classes 
of  pensioners  at  the  various  ages,  as  was  explained  in  that  part  of 
this  report  which  deals  with  the  Police  Pension  Fund.  The  results 
give  the  present  value  of  each  o£  the  various  kinds  of  pension  benefits 
that  the  city  has  obligated  itself  to  pay  the  firemen. 

The  following  statement  shows  that  the  present  value  of  total 
existing  pensions  is  $974,600;  the  present  value  of  prospective  pen- 
sions is  $2,682,500;  and  the  grand  total  of  all  pension  payments  is 
$3,657,100. 


Estimated   Total  Liabilities   of  the  Boston  Firemen's   Pension   Fund   as   of 

Jan.  1,  1914. 
Present  value  of  — 
Pensions  to  37  members  now  on  regular  or  service 

pension  roll, $163,500 

Pensions  to  120  members  now  on  disability  or  in- 
valid pension  roll, •  .  734,750 

Pensions  to  24  call  members  now  on  old-age  pen- 
sion roll, 19,750 

Pensions  to  21  call  members  now  on  disability  or 

invalid  pension  roll, 24,000 

Pensions  to  9  widows  now  on  widows'  pension  roll,  .  32,600 

Total  of  existing  pensions,  ....  —       $974,600 

Present  value  of  — 

Pensions  to  present  members  of  active  force  retir- 
ing on  regular  or  service  pensions,  .         .        .         $1,611,150 
Pensions  to  present  members  of  active 
force  retiring  on  pension  because  of 
disability  — 

Resulting  from  performance  of  duty,  .      $66,350 

Resulting  from  other  causes,       .        .      939,950 

Total  of  all  pensions  for  disability,  


Pensions  to  widows  of  members  of  active  force 
who  may  be  killed  in  performance  of  duty,  . 

Assurance  of  $1,000  payable  on  death  of  member 

resulting  from  actual  performance  of  duty,  . 

Total  prospective  pensions,  .... 


1,006,300 
47,800 
17,250 


2,682,500 


Grand  total  of  all  pension  payments,  . 


$3,657,100 


1914.]  HOUSE  — No.  2450.  99 

The  next  question  is,  What  amount,  expressed  in  terms  of  per  cent, 
of  the  employees'  salaries,  invested  at  4  per  cent,  compound  interest, 
woud  be  necessary  to  meet  these  obligations  ?  This  was  determined, 
as  in  the  case  of  the  police  fund,  by  dividing  the  present  value  of 
existing  and  prospective  pensions  by  the  present  value  of  1  per  cent, 
of  the  future  salaries  of  the  present  active  force.  The  answer  is 
$3,657,100  divided  by  $149,900,  or  24.40  per  cent. 

It  follows,  therefore,  that  the  city  of  Boston  has  a  choice  of  three 
methods  in  regard  to  the  payment  of  pensions  to  existing  members 
of  the  Firemen's  Pension  Fund  and  the  present  members  of  the 
active  service  when  they  become  pensioners. 

1.  It  can  appropriate  and  invest  at  4  per  cent,  compound  interest 
a  cash  sum  of  $3,657,100. 

2.  It  can  appropriate  the  necessary  amount  each  year  as  the  pen- 
sions come  due. 

3.  It  can  set  aside  each  year,   during  the  remaining  years   of 
service,  a  sum  equal  to  24.40  per  cent,  of  the  annual  salaries  of  the 
present  active  force,  investing  it  at  not  less  than  4  per  cent,  com- 
pound interest 

The  amount  of  money,  expressed  in  terms  of  per  cent,  of  salaries 
of  the  active  force,  which  will  have  to  be  set  aside  and  invested  at 
4  per  cent,  interest  at  the  time  the  obligation  for  the  pension  is 
assumed,  in  order  to  pension  those  who  will  come  into  the  service 
hereafter,  is  of  course  much  less  than  24.40  per  cent.  This  is  shown 
by  the  following  table,  which  gives  the  estimated  amounts,  expressed 
in  terms  of  per  cent  of  salaries,  that  will  be  required  to  pension 
new  entrants  into  the  service  under  present  retirement  provisions :  — 


100 


COMMISSION  ON  PENSIONS. 


[Apr. 


Estimated  Contributions  required  for  New  Entrants  into  the  Service  of  the  Boston 
Fire  Department  for  Pensions  granted  Under  the  Present  Retirement  Provi- 
sions (expressed  as  a  Percentage  of  Salaries  paid). 


AGE  AT  ENTRY. 

AMOUNT  NECESSARY  TO  PROVIDE  FOR  BENEFITS  GRANTED  ON  ACCOUNT  OF  — 

gular  or  Service 
Retirement. 

sability  resulting 
rom  Ordinary 
Dauses. 

sability  resulting 
rom  Actual  Per- 
ormance>of  Duty. 

li 

B 

|j 
<» 

|ll 

yment  of  11,000  on 
Accidental  Deaths  of 
Members  in  Actual 
'erformance  of 
Duty. 

a>"5o 

* 

•Q 

5* 

3 

'£** 

3° 

(a) 

(b) 

(c) 

(d) 

(e) 

(f) 

(g) 

(h) 

(i) 

23  

2.83 

3.93 

0.28 

4.21 

7.04 

0.19 

0.07 

7.30 

24  

3.07 

4.12 

0.29 

4.41 

7.48 

0.24 

0.09 

7.81 

25  

3.18 

4.37 

0.31 

4.68 

7.86 

0.28 

0.11 

8.25 

26  

3.37 

4.57 

0.32 

4.89 

8.26 

0.32 

0.12 

8.70 

27  

3.60 

4.82 

0.34 

5.16 

8.76 

0.36 

0.14 

9.26 

28  

3.85 

5.09 

0.36 

5.45 

9.30 

0.40 

0.15 

9.85 

29  

4.11 

5.34 

0.38 

5.72 

9.83 

0.44 

0.17 

10.44 

30  

4.41 

5.61 

0.40 

6.01 

10.42 

0.48 

0.18 

11.08 

1914.1  HOUSE  —  No.  2450,  101 


CHAPTER   IV. 

PENSION  SYSTEMS  IN  MASSACHUSETTS. 

1.  Employees  of  the  Commonwealth. 

2.  Employees  of  Counties. 

3.  Employees  of  Cities  and  Towns. 

4.  Judiciary. 

5.  Police  :- 

(a)  Cities  and  Towns. 

(b)  Boston. 

(c)  District  Police  of  Massachusetts. 

(d)  Metropolitan  Park  Police. 

6.  Firemen :  — 

(a)  Cities  and  Towns. 

(b)  Boston. 

7.  Teachers:  — 

(a)  State  System. 

(b)  Noncontributory  System  of  1908  (Chapter  498). 

(c)  Boston. 

(d)  In  State  Institutions  (see  Employees  of  Commonwealth). 

8.  Laborers:  — 

(a)  Cities  and  Towns. 

(b)  Boston. 

(c)  Fire  Districts  and  Water  Districts. 

9.  Veterans :  — 

(a)  In  Service  of  State. 

(b)  In  Service  of  Cities  and  Towns. 
(c}  In  Service  of  Counties. 

(d)  In  Service  of  Boston. 

(e)  In  Service  of  ISTew  Bedford,  Maiden,  Lynn. 
(/)  In  Service  of  Soldiers'  Home. 

10.  Prison  Officers  and  Instructors. 

11.  Probation  Officers. 

12.  Court  Officers. 

13.  Women  employed  by  the  Sergeant-at-Arms. 

14.  Miscellaneous  Acts. 


102 


/  COMMISSION  ON  PENSIONS.  [Apr. 


1.     EMPLOYEES    OF    THE    COMMONWEALTH. 

The  laws  relating  to  the  retirement  system  for  employees  of 
the  Commonwealth  are  found  in  the  following  statutes :  — 

Acts  of  1911,  chapter  532,  establishment  of  system. 
Acts  of  1912,  chapter  363,  amending  prior  act. 
Acts  of  1913,  chapter    44,  appropriation  for  expenses. 
Acts  of  1913,  chapter     63,  relating  to  refunds. 

Acts  of  1913,  chapter  3107  relating  to  employees  having  given  notice  of  not 
joining. 

The  system  is  a  contributory  one  and  compulsory  on  all  persons 
becoming  employees  of  the  Commonwealth  after  its  establishment, 
and  elective  to  such  persons  who  were  employees  before  its  establish- 
ment. The  system  was  created  by  chapter  532  of  the  Acts  of  1911, 
which  made  its  establishment  date  as  of  June  1,  1912. 

1.     ORGANIZATION  AND  MEMBERSHIP. 

The  Retirement  Association  is  composed  of  employees  of  the  Com- 
monwealth, including  employees  in  the  metropolitan  district  service. 
Employees  who  are  paid  partly  by  the  Commonwealth  and  partly 
by  a  county  having  a  retirement  system  are  enrolled  as  members  of 
the  State  Retirement  Association,  and  the  Commonwealth  is  reim- 
bursed by  the  county  for  a  proportionate  part  of  the  pension  paid. 
Membership  in  the  association  is  evidenced  by  a  policy  issued  to 
each  member  who  retires  or  is  retired. 

The  following  classes  are  prohibited  from  membership :  - 

(a)  All  employees  who  enter  the  service  of  the  Commonwealth 
who  have  passed  the  age  of  fifty-five  years.  (Such  are  prohibited 
from  remaining  in  the  service  after  reaching  the  age  of  seventy 
years.) 

(&)   Officers  elected  by  popular  vote. 

(c)  Any  employee  who  is  or  will  be  entitled  to  a  pension  from 
the  Commonwealth  for  any  reason  other  than  membership  in  the 
association. 


1914.]  HOUSE  —  No.  2450.  103 

2.     ADMINISTRATION. 

The  management  of  the  retirement  system  is  vested  in  a  Board  of 
Retirement  of  three  members,  —  the  State  Treasurer,  one  elected 
by  the  members  of  the  association,  and  a  third  member  elected  by 
the  other  two. 

Members  of  the  Retirement  Board  receive  no  compensation,  but 
claims  for  expense  or  loss  of  salary  or  wages  incurred  through 
service  on  the  Board  are  paid  from  the  contingent  fund,  after  ap- 
proval by  the  Governor  and  Council. 

The  Retirement  Board  shall  — 

(a)  Have  power  to  secure  such  clerical  assistance  as  may  be  neces- 
sary, subject  to  the  approval  of  the  Governor  and  Council. 

(?>)   Make  necessary  rules  and  regulations. 

(c)  Determine  the  percentage  of  salaries,  subject  to  the  maximum 
and  minimum  percentages,  that  employees  shall  contribute. 

(d)  Have  the  power  to  classify  employees  and  to  establish,  dif- 
ferent rates  of  contribution. 

3.     FUNDS. 

The  funds  of  the  system  are  — 

(a)  Expense  and  Contingent  Fund.  —  A  fund  appropriated  annu- 
ally by  the  General  Court  to  defray  the  whole  expense  of  adminis- 
tration. 

(6)  Annuity  and  Pension  Fund. — A  fund  from  which  all  pen- 
sions and  annuities  are  paid,  created  by  — 

(1)  Amounts  deducted  from  salaries  or  wages  of  members. 

(2)  Amounts  contributed  by  the  Commonwealth.     The  Common- 
wealth is  required  to  contribute  to  this  fund  such  amounts  annually 
as,  with  the  contributions  of  members,  will  pay  the  pensions  and 
annuities  provided  by  the  act. 

4.     CUSTODY  AND  INVESTMENT  OF  FUNDS. 

The  State  Treasurer  has  charge  and  control  of  the  funds  of  the 
system,  subject  to  the  approval  of  the  Board  of  Retirement,  and 
invests  all  funds  not  required  for  current  disbursements  according 
to  the  laws  relating  to  the  investment  of  sinking  funds. 

In  January  of  each  year  the  State  Treasurer  must  file  with  the 
Insurance  Commissioner  a  sworn  statement  of  the  financial  condition 


104  COMMISSION  ON  PENSIONS.  [Apr. 

of  the  retirement  system,  showing  its  liability  on  account  of  the 
following  items :  — 

(a)  Deposit  reserve. 

(&)   Interest  reserve. 

(c)  Annuity  reserve. 

(d)  Expense  and  contingent  fund. 

(e)  Gifts  and  bequests. 
(/)   Other  liabilities. 
(g)   Surplus. 

5.     CONTRIBUTIONS  OF  MEMBERS. 

The  State  Treasurer  deducts  from  the  salary  or  wages  of  each 
member  and  credits  to  the  retirement  fund  not  less  than  1  per  cent, 
and  not  more  than  5  per  cent,  of  his  wages  or  salary,  as  determined 
by  the  Retirement  Board,  which  has  the  power  to  fix  a  minimum 
and  maximum  amount,  and  to  classify  employees  and  to  establish 
different  rates  for  different  classes.  Employees  who  receive  more 
than  $30  weekly  cannot  be  assessed  for  contributions  on  the  excess 
above  that  amount. 

6.  RETIREMENT  OF  MEMBERS. 

(a)  Any  employee  reaching  the  age  of  sixty,  after  a  period  of 
fifteen  continuous  years  of  service,  may  retire  or  may  be  retired 
upon  recommendation  of  the  head  of  the  department  where  he  is 
employed. 

(b)  Any  member  on  reaching  the  age  of  seventy  years  must  be 
retired. 

(c)  Any  member  who  has  completed  a  period  of  thirty-five  years 
of  continuous  service  may  retire  or  may  be  retired  at  any  age  for  the 
good  of  the  service  upon  recommendation  of  the  head  of  the  depart- 
ment in  which  he  is  employed. 

(d)  Any  member  who  at  the  time  of  the  establishment  of  the 
system  had  reached  the  age  of  fifty-five  years  may  be  retired  at  the 
age  of  sixty  years  or  at  any  time  thereafter. 

7.  ANNUITIES  AND  PENSIONS. 

Any  member  who  is  retired  at  the  age  of  seventy  years,  or  who  is 
retired  at  or  after  the  age  of  sixty  years,  after  fifteen  years  of 
service,  or  who  is  retired  at  any  age  for  the  good  of  the  service 


1914.]  HOUSE  — No.  2450.  105 

after  thirty-five  years  of  service,  receives  as  a  retirement  allow- 
ance :  — 

(a)  A  life  annuity  payable  monthly  in  the  amount  which  the  sum 
of  his  deposits  with  regular  interest  shall  entitle  him,  according  to 
the  tables  adopted  by  the  Retirement  Board,  or  a  lesser  annuity,  with 
the  provision  that  in  the  event  of  his  death  before  receiving  pay- 
ments equal  to  the  sum  of  his  deposits  with  interest  the  difference 
shall  be  paid  to  his  legal  representatives. 

(&)  A  pension  for  life,  payable  monthly,  equal  to  the  annuity,  to 
be  paid  out  of  the  fund  contributed  by  the  Commonwealth. 

(c)  If  he  is  retired  at  the  age  of  sixty  years  or  thereafter,  after 
fifteen  years  of  continuous  service,  or  at  the  age  of  sixty  years  or 
thereafter,  without  fifteen  years  of  service,  provided  he  was  fifty- 
five  years  of  age  at  the  time  of  the  establishment  of  the  system, 
or  if  he  has  thirty-five  years  of  continuous  service,  and  retires  or 
is  retired,  he  receives  in  addition  to  the  annuity  and  pension  pro- 
vided as  above  an  extra  pension  for  life  as  large  as  the  amount  of 
the  annuity  and  pension  to  which  he  would  have  been  entitled  if 
the  retirement  system  had  been  in  operation  when  he  entered  the 
service  and  he  had  contributed  from  that  date  to  the  date  of  its 
establishment  at  the  same  rate  as  that  adopted  by  the  Board  of 
Retirement. 

Any  employee  not  a  member  of  the  association  who  had  already 
reached  the  age  of  fifty-five  years  when  the  system  was  established 
may  be  retired  at  any  time  upon  the  minimum  pension  of  $200 
per  year. 

If  a  husband  and  wife  are  members  of  the  association  and  one 
retires  or  is, retired  the  other  shall  have  the  right  also  to  retire. 

If  the  accumulated  contributions  of  any  employee  retired  exceed 
the  amount  required  to  obtain  an  annuity  equal  to  one-fourth  of 
the  average  wages  or  salary,  the  excess  above  that  amount  shall  be 
paid  such  employee  in  a  lump  sum  with  the  first  monthly  payment 
on  account  of  his  retirement  allowance. 

Maximum  and  Minimum  Payments.  —  In  no  case  shall  the  pen- 
sion be  less  than  $200  per  year  nor  more  than  one-half  the  amount 
of  the  average  salary  or  wages  received  by  the  member  during  the 
ten  years  prior  to  his  retirement. 


106  COMMISSION  ON  PENSIONS.  [Apr. 

8.     REFUNDS. 

If  a  member  ceases  to  be  an  employee  before  he  becomes  entitled 
to  a  pension,  all  money  paid  by  him,  with  regular  interest,  is  re- 
funded. 

If  a  member  dies  before  becoming  entitled  to  a  pension,  all  money 
paid  in  by  him,  with  interest  earned,  is  paid  to  his  legal  represen- 
tatives, and  if  there  is  no  executor  or  administrator,  then  to  such 
person  or  persons  as  appear  to  be  entitled  to  the  same. 

9.     TAXATION  AND  ASSIGNMENT. 

The  funds  of  the  system  are  exempt  from  taxation.  The  rights 
of  the  member  in  the  funds  are  exempt  from  taxation,  operation  of 
bankruptcy  laws,  and  attachments,  or  any  process  of  court,  and 
cannot  be  assigned. 

10.  SUPERVISION  BY  INSURANCE  COMMISSIONER. 
The  Insurance  Commissioner  prescribes  for  the  system  mortality 
tables  and  what  rate  of  interest  shall  be  established  in  connection 
with  such  tables.  He  also  prescribes  the  methods  of  bookkeeping, 
and  is  required  to  maintain  general  supervision  over  the  system  and 
shall  report  to  the  Attorney-General  any  violation  or  neglect. 

11.     JURISDICTION  OF  COURT.  • 

The  Superior  Court  has  jurisdiction  in  equity  upon  petition  of 
any  party  interested  to  compel  observance  and  restrain  violation 
of  the  act. 

HISTORY  OF  THE  RETIREMENT  SYSTEM  FOR  STATE  EMPLOYEES. 

By  virtue  of  chapter  127  of  the  Resolves  of  1907  a  commission 
was  appointed  by  the  Governor  for  an  investigation  of  and  report  on 
a  system  of  old-age  insurance  and  pensions.  This  commission  filed 
its  report  and  provided  a  bill  which  is  substantially  chapter  532  of 
the  Acts  of  1911. 

This  bill  had  as  its  basis  a  bill  passed  by  the  Legislature  (chapter 
435  of  the  Acts  of  1909)  entitled,  "An  Act  to  authorize  the  Boston 
&  Maine  Railroad  and  its  employees  to  establish  a  co-operative  pen- 
sion system,"  and  such  changes  were  made  as  were  necessary  to 
make  it  applicable  to  a  system  for  employees  of  the  Commonwealth. 


1914.]  HOUSE  — No.  2450.  107 

Chapter  532  of  the  Acts  of  1911  was  amended  in  1912  (chapter 
363)  by  providing  — 

(a)  That  service  in  a  department  or  institution  formerly  admin- 
istered by  a  city,  county  or  corporation  and  taken  over  by  the  Com- 
monwealth should  be  counted  as  part  of  continuous  service. 

(b)  By  extending  the  time  of  election  to  join  to  those  who  were 
employees. 

(c)  By  providing  for  those  who  were  employed  partly  by  the 
county  and  partly  by  the  Commonwealth. 

(d)  By  changing  the  investment  to  the  laws  governing  sinking 
funds  instead  of  savings  banks. 

(e)  By  providing  for  retirement  of  husband  and  wife  at  the  same 
time,  if  both  are  members. 

(/)  By  providing  for  the  payment  of  the  excess  beyond  the 
amount  required  to  give  an  annuity  equal  to  one-fourth  the  wages  or 
salary. 

In  1913  the  act  was  subsequently  amended  by  chapters  63  and 
310,  both  minor  amendments  not  affecting  the  substance  of  the 
act. 

On  Jan.  1,  1912,  when  the  system  was  established,  there  were  eligible  to 
membership  in  the  association  some  6,200  employees.  On  Feb.  1,  1912,  2,874 
employees  had  declined  to  become  members,  and  3,324  were  members  of  the 
Retirement  Association.  The  total  number  of  eligible  employees  in  the  service 
of  the  State  and  metropolitan  departments  on  Jan.  1,  1912,  was  1,258.  Of 
these,  924,  or  over  72  per  cent.,  became  members.  In  the  institutions  there 
were  eligible  4,940  persons.  Of  these,  2,400,  or  about  49  per  cent.,  became 
members.  It  is  worthy  of  note  that  in  the  departments  where  civil  service 
tenure  holds,  the  percentage  of  membership  is  large,  while  in  the  institutions 
where  tenure  is  less  secure,  slightly  less  than  half  of  the  employees  entered 
the  Retirement  Association.  One  other  feature  besides  uncertainty  of  tenure 
is  likely  to  have  had  its  effect  upon  the  employees  in  their  decision  as  to  whether 
or  not  they  should  become  members,  —  that  is,  their  failure  to  secure  a  clear 
understanding  of  the  effect  upon  them  of  membership  in  the  association.  .  .  . 

.  .  .  One  of  the  most  perplexing  questions  to  be  determined  was  the  rate 
of  deduction.  The  law  provided  that  it  should  not  be  less  than  1  nor  more 
than  5  per  cent,  of  the  salary  or  wages,  not  exceeding  $30  a  week.  It  appeared 
to  be  impossible  to  establish  any  general  plan  of  percentages  which  would 
accomplish  the  same  proportionate  retirement  allowance  for  all  members, 
since  there  was  no  information  as  to  ages  upon  which  employees  would  retire. 
After  many  weeks  of  consideration  the  Board  determined  that  each  employee 
should  contribute  3  per  cent,  of  his  cash  salary  or  wages,  unless  he  should 
elect  to  contribute  5  per  cent.,  and  every  member  was  given  one  month  in 


108  COMMISSION  ON  PENSIONS.  [Apr. 

which  to  exercise  his  choice.  The  number  of  those  electing  to  contribute  5  per 
cent,  was  1,074. 

.  .  .  The  total  amount  of  money  deducted  from  the  pay  of  members  of  the 
association  between  June  1  and  Nov.  30,  1912,  is  $47,500.76.  Twelve  members 
have  died  and  327  have  left  the  service  since  June  1;  the  amount  of  refunds 
in  these  cases  has  been  $1,365.94. 

On  June  1,  when  the  retirement  system  became  operative,  27  persons  re- 
tired. Twenty-four  of  these  had  reached  age  seventy  and  thus  were  compelled 
to  retire,  and  3,  being  more  than  sixty  years  of  age,  retired  at  their  own 
election.  Since  June  1,  18  other  persons  have  retired,  1  of  whom  had  reached 
age  seventy.  The  total  amount  of  the  retirement  allowances  paid  to  the  45 
individuals  who  have  retired  previous  to  December  1  is  $5,353.78,  the  largest 
single  annual  allowance  is  $743.33  and  24  individuals  are  receiving  the 
minimum  allowance  of  $200  a  year.  .  .  . 

.  .  .  The  estimate  made  by  the  special  commission  which  investigated  the 
whole  matter  of  a  retirement  system  three  years  ago  was  that  the  annual  cost 
of  its  administration,  exclusive  of  retirement  allowances,  would  be  $25,000. 
It  is  gratifying  to  be  able  to  report,  therefore,  that  for  the  part  year  in  which 
it  has  been  in  operation  the  total  administration  expenses  have  been  only 
$5,082.66,  and  that  for  the  full  fiscal  year  of  1913  the  Board  asks  for  only 
$8,500.  (From  the  report  of  Board  of  Retirement,  1913.) 

Financial  Report. 

The  following  is  the  financial  report  of  the  retirement  system 
for  employees  of  the  Commonwealth  for  the  year  ending  Dec.  31, 
1913:- 

MEMBERSHIP  EXHIBIT. 

Membership  Dec.  31,  1912, 3,240 

Admitted  to  association  during  year, 1,600 

Total, .  4,840 

Number  deceased, 21 

Number  left  service, 624 


Membership  Dec.  31,  1913, 

INCOME. 

Members'  deposits, $108,255  86 

Received  from  Commonwealth  for  payment  of  pensions  for  prior 
service, 18,203  53 

Received  from  Commonwealth  for  payment  of  pensions  for  sub- 
sequent service, 81  79 

Interest  received  on  investments, 4,079  62 


1914.]                               HOUSE  —  No.  2450.  109 

Interest  credited  to  members'  accounts, $2,630  00 

Received  as  gifts  or  bequests, 

Appropriation  for  expenses  of  administration,    ....  6,649  37 


Total   income, $139,901  07 

Balance  December  31  of  previous  year, 53,351  32 


Total, $193,252  39 

DISBURSEMENTS. 

Refunds  to  members   (other  than  death), $6,966  58 

Refunds  to  legal  representatives  of  deceased  members,       .        .  354  54 

Pensions  paid  for  prior  service, 18,203  53 

Pensions  paid  for  subsequent  service, 81  79 

Annuities, 81  79 

Accrued  interest  on  investments, 390  60 

Interest  credited  to  members'  accounts, 2,630  90 

Administration  expenses :  — 

Salaries, $3,901  67 

Printing, 261  50 

Postage, 97  00 

Stationery  and  supplies, 245  83 

Reimbursement  of  institutions,  .        .         .        .         .    1,822  75 

Miscellaneous, 320  62 

6,649  37 


Total  disbursements, $35,359  10 

Income, $193,252  39 

Disbursements, 35,359  10 


Balance, $157,893  29 

LEDGER  ASSETS. 

Investments, $143,277  32 

Cash  in  hands  of  Treasurer  of  Commonwealth,    ....  14,615  97 


Total  ledger  assets, $157,893  29 

NON-LEDGER  ASSETS. 
Accrued  interest  on  investments, 1,216  54 


Gross  assets, $159,109  83 


110  COMMISSION  ON  PENSIONS.  [Apr. 


LIABILITIES. 

Members'  deposits, $153,296  68 

Interest  credited  to  members'  accounts, 2,833  58 

Annuity  reserve, 1,053  59 

Unexpended  appropriation,1 

All  other  liabilities, 

Undistributed  surplus, 1,925  98 


Total  liabilities,       .         .        .     -  .        .        .  •      .        .         .    $159,109  83 


2,     EMPLOYEES    OF    COUNTIES. 

The  laws  relating  to  the  retirement  system  for  employees  of 
counties  of  the  Commonwealth  are  found  in  the  following  statutes :  — 

Acts  of  1911,  chapter  634,  establishment  of  the  system. 

Acts  of  1913,  chapter  817,  amendment. 

Resolves  of  1913,  chapter  95,  confirming  acts  of  Norfolk  County  Association. 

The  system  in  all  its  essential  features  is  similar  to  the  system 
for  employees  of  the  Commonwealth. 

1.     ORGANIZATION. 

The  system  is  authorized  in  any  county  after  the  acceptance  of 
the  act  by  a  majority  of  the  voters  at  the  State  election,  the  question 
of  acceptance  being  submitted  upon  the  initiative  of  the  county 
commissioners. 

After  a  copy  of  the  vote  of  acceptance  has  been  filed  in  the  office 
of  the  Insurance  Commissioner,  the  latter  forthwith  issues  a  certifi- 
cate that  the  retirement  system  has  been  established  in  such  county, 
to  become  operative  on  the  first  day  of  January  or  the  first  day 
of  July  following  the  expiration  of  three  months  after  the  date  of 
the  certificate. 

2.     MEMBERSHIP. 

In  a  county  where  the  retirement  system  is  established  a  Retire- 
ment Association  shall  be  organized  as  follows,  viz. :  — 

(a)  All  employees  of  the  county  at  the  date  of  its  establishment 

1  Unexpended  appropriation  returned  to  Commonwealth  for  fiscal  year  ending  Nov.  31,  1913,  $1,880.63. 


1914.]  HOUSE  — No.  2450.  Ill 

may  become  members.  After  thirty  days  every  such  employee  shall 
be  considered  to  have  elected  to  become  a  member  unless  he  shall 
have  declined  in  writing. 

(&)  All  employees  who  enter  the  service  of  the  county  after  the 
date  of  its  establishment  shall  after  thirty  days  of  service  become 
members  of  the  association. 

The  following  classes  are  excluded  from  membership :  — 

(a)  Persons  over  fifty-five  years  of  age  who  enter  the  service  of 
the  county  after  the  establishment  of  the  system.  (Such  persons  are 
not  allowed  to  remain  in  the  service  after  reaching  the  age  of  seventy 
years. ) 

(6)   Officers  elected  by  popular  vote. 

(c)  Any  employee  who  is  or  may  be  entitled  to  a  pension  from 
the  county  for  any  other  reason  than  membership  in  the  association. 

3.     ADMINISTRATION. 

The  management  of  the  retirement  system  is  vested  in  a  Board 
of  Retirement  consisting  of  three  members,  —  the  county  treasurer, 
a  member  elected  by  the  association,  and  a  third  member  chosen 
by  the  other  two. 

The  Board  of  Retirement  serves  without  compensation,  but  claims 
for  loss  of  salary  or  wages  or  expense  incurred  by  reason  of  service 
upon  the  Board  are  paid  from  the  contingent  fund,  after  approval 
by  the  county  commissioners. 

The  Retirement  Board  shall  — 

(a)  Have  power  to  make  necessary  rules  and  regulations. 

(&)  Employ  necessary  clerical  assistance,  subject  to  the  approval 
of  the  county  commissioners. 

(c)  Determine  the  percentage  of  wages  that  employees  shall  con- 
tribute to  the  pension  fund,  subject  to  the  minimum  and  maximum 
percentages. 

(d)  Shall  have  power  to  classify  employees  and  to  establish  dif- 
ferent rates  of  contribution  for  different  classes. 

4.     FUNDS. 

The  funds  of  the  system  are  - 

(a)  Expense  and  Contingent  Fund.  —  A  fund  appropriated  by 
the  county  to  defray  the  whole  expense  of  administration. 


112  COMMISSION  ON  PENSIONS.  [Apr. 

(&)  Annuity  and  Pensi-on  Fund.  —  A  fund  from  which  all  pen- 
sions and  annuities  are  paid,  created  by  — 

(1)  Amounts  deducted  from  salaries  or  wages  of  members. 

(2)  Amounts  contributed  by  the  county.     The  county  is  required 
to  contribute  to  this  fund  such  amounts  annually  as,  with  the  con- 
tributions of  members,  will  pay  the  pensions  and  annuities  provided 
by  the  act. 

5.     CUSTODY  AND  INVESTMENT  OF  FUNDS. 

The  county  treasurer  has  charge  and  control  of  the  funds  of  the 
system,  subject  to  the  approval  of  the  Board  of  Retirement,  and 
invests  all  funds,  not  required  for  current  disbursements,  according 
to  the  laws  relating  to  the  investment  of  sinking  funds. 

(The  remaining  provisions  follow  the  provisions  of  the  act  relat- 
ing to  employees  of  the  Commonwealth.) 

HISTORY  OF  THE  RETIREMENT  SYSTEM  FOR  COUNTIES. 

In  only  three  counties  in  the  State  has  this  act  been  accepted  by 
the  voters,  to  wit :  Barnstable,  Middlesex  and  Norfolk.  These  three 
counties,  after  acceptance  of  the  act,  filed  the  certificates  required 
with  the  Insurance  Commissioner,  and  the  retirement  system  was 
established  in  these  three  counties  as  of  July  1,  1912. 

No  return  showing  membership  and  financial  standing  as  required 
by  law  has  ever  been  filed  with  the  Insurance  Commissioner  by  the 
county  treasurer  of  Barnstable. 

Financial  Report,  Middlesex  County. 
Date  retirement  system  became  operative,  July  1,  1912. 

MEMBERSHIP  EXHIBIT. 

Membership  Dec.  31,  1912, 173 

Admitted  to  association  during  year, 41 


Total, 214 

Number  deceased, 3 

Number  left  service, 24 

27 

Membership  Dec.  31,  1913,        ....  187 


1914.]  HOUSE  — No.  2450.  113 


INCOME. 

Members'   deposits, $4,172  93 

Received  from  county  for  payment  of  pensions  for  prior  service,  .  812  35 
Received  from  county  for  payment  of  pensions  for  subsequent 

service, 2  05 

Interest  credited  to  members'  accounts, 101  21 

Interest  received  on  investments,  less  $37.50  paid  for  accrued  inter- 
est on  bonds  purchased, 93  92 

Members'  deposits  used  to  purchase  annuities, 51  20 

Interest  on  members'  deposits  used  to  purchase  annuities,       .        .  48 

Appropriation  for  administration  expenses, 573  55 

Received  from  county  on  account  of  deficiency  of  last  year,    .        .  56  73 


$5,864  42 
Balance  December  31  of  previous  year, 1,971  62 


Total  income, $7,836  04 

DISBURSEMENTS. 

Refunds  to  members  (other  than  on  account  of  death),  .        .        .  $325  21 

Interest  on  same, 2  10 

Refunds  to  legal  representatives  of  deceased  members,  .         .        .  25  55 

Interest  on  same, 23 

Interest  credited  to  members'  accounts, 101  21 

Pensions  paid  for  prior  service, 812  35 

Pensions  paid  for  subsequent  service, 2  05 

Annuities, 2  05 

Members'  deposits  used  to  purchase  annuities, 51  20 

Interest  on  members'  deposits  used  to  purchase  annuities,       .        .  48 
Administration  expenses :  — 

Salaries, $538  00 

Printing, 14  00 

Supplies, 8  00 

Expenses  of  Board, 13  55 

573  55 


Total, $1,895  98 

Balance, $5,940  06 

LEDGER  ASSETS. 

Investments, $4,767  90 

Cash, 1,172  16 

$5,940  06 


114  COMMISSION  ON  PENSIONS.  [Apr. 

NON-LEDGER  ASSETS. 
Accrued  interest  on  investments, $53  22 


Gross  assets, .  $5,993  28 

LIABILITIES. 

Members'  deposits,    .        .        .        .     ' $5,788  72 

Interest  credited  to  members'  accounts, 105  83 

Annuity  reserve  and  undistributed  surplus, *  98  73 


$5,993  28 

Financial  Report,  Norfolk  County. 
Date  retirement  system  became  operative,  July  1,  1912. 

MEMBERSHIP  EXHIBIT. 

Membership  Dec.  31,  1912, 55 

Admitted  to  association  during  year, 1 


Total, 56 

Number  deceased, 1 

Number  left  service, 2 

—  3 


Membership  Dec.  31,  1913,        ....  53 

INCOME. 

Members'  deposits, $1,645  08 

Received  from  county  for  payment  of  pensions  for  prior  service,  .        780  68 
Received  from  county  for  payment   of  pensions  for  subsequent 

•    service, 

Interest  received  on  investments, 36  20 

Interest  credited  to  members'  accounts, 41  04 

Received  as  gifts  or  bequests, 

Appropriation  for  expenses  of  administration,        ....          75  00 


Total  income, $2,578  00 

Balance  December  31  of  previous  year, 782  11 


Total, $3,3£0  11 

1  The  proportion  of  this  $93.73  which  was  chargeable  to  annuity  reserve  had  not  been  computed  when 
these  figures  went  to  press.    This  sum  will  not  exceed  $10;  the  remainder  is  undistributed  surplus. 


1914.1 


HOUSE  — No.  2450. 


115 


DISBURSEMENTS. 

Refunds  to  members  (other  than  death), 
Refunds  to  legal  representatives  of  deceased  members,   . 

Pensions  paid  for  prior  service, 

Pensions  paid  for  subsequent  service,      . 

Annuities, 

Accrued  interest  on  investments, 

Interest  credited  to  members'  accounts,    . 
Administration  expenses :  — 

Salaries, 

Printing, 

Postage, 

Stationery  and  supplies, 

Expenses  of  Board, 

Balance  of  expenses  appropriation  repaid  county,  . 

Total  disbursements, 

Income,      .        .        . 

Disbursements, 

Balance, 


$28  75 


$50  99 
12  13 

780  68 


41  04 


28  75 
46  25 

.      $959  84 

.   $3,360  11 
959  84 

.   $2,400  27 


LEDGER  ASSETS. 

Investments, 

Cash  in  hands  of  county  treasurer,  . 

Total  ledger  assets, 

NON-LEDGER  ASSETS. 
Accrued  interest  on  investments, 

Gross  assets, 


$2,000  00 
400  27 

$2,400  27 


13  33 


$2,413  60 


LIABILITIES. 

Members'  deposits, 

Interest  credited  to  members'  accounts,  . 

Annuity  reserve, 

Unexpended   reserve,         .... 

All  other  liabilities, 

Undistributed  surplus,       .... 


$2,364  71 
43  14 


5  75 


Total  liabilities,  . 


.   $2,413  60 


116  COMMISSION  ON  PENSIONS.  [Apr. 


3.    EMPLOYEES   OF   CITIES   AND  TOWNS. 

The  laws  relating  to  the  retirement  system  for  employees  of  cities 
and  towns  in  the  Commonwealth  are  found  in  the  following 
statutes : — 

Acts  of  1910,  chapter  619,  establishment  of  system. 

Acts  of  1911,  chapter  338,  amendment. 

This  act  has  never  been  accepted  by  any  city  or  town  in  the  State.' 
The  system  in  its  essential  features  is  similar  to  the  system  for  em- 
ployees of  the  Commonwealth  and  counties. 

1.     ORGANIZATION. 

After  the  acceptance  of  the  provisions  of  the  act  by  vote  of  the 
city  council  in  a  city,  or  of  a  board  of  selectmen  in  a  town.,  the  ques- 
tion of  acceptance  of  the  act  is  submitted  to  the  voters  at  the  next 
election.  If  a  majority  of  the  voters  shall  vote  in  the  affirmative,  a 
duly  certified  copy  of  the  vote  is  filed  in  the  office  of  the  Insurance 
Commissioner,  who  forthwith  issues  a  certificate  that  the  retirement 
system  is  established  in  said  city  or  town,  to  become  operative  on 
the  first  day  of  February  or  the  first  day  of  August  following  the 
expiration  of  three  months  after  the  date  of  such  certificate. 

2.     MEMBERSHIP. 

In  a  city  or  town  where  the  retirement  system  is  established,  a 
Retirement  Association  shall  be  organized  as  follows,  viz. :  — 

(a.)  All  employees  of  the  city  or  town  at  the  date  of  the  establish- 
ment of  the  system  may  become  members.  After  thirty  days  every 
such  employee  shall  be  considered  to  have  elected  to  become  a  mem- 
ber unless  he  shall  have  declined  in  writing. 

(&)  All  employees  who  enter  the  service  of  the  city  or  town  after 
the  date  of  the  establishment  of  the  retirement  system. 

The  following  classes  are  excluded  from  membership :  — 

(a)  Persons  over  fifty-five  years  of  age  who  enter  the  service  of 
the  city  or  town  after  the  establishment  of  the  system.  Such  persons 
are  not  allowed  to  remain  in  the  service  after  reaching  the  age  of 
seventy  years. 


1914.]  HOUSE  — No.  2450.  117 

(&)   Officers  elected  by  popular  vote. 

(c)  Any  employee  who  is  or  may  be  entitled  to  a  pension  from 
the  city  or  town  for  any  other  reason  than  membership  in  the  asso- 
ciation. 

3.     ADMINISTRATION. 

The  management  of  the  association  in  such  city  or  town  is  vested 
in  a  Board  of  Retirement  consisting  of  three  members,  —  the  city 
or  town  treasurer,  a  member  elected  by  the  association,  and  a  third 
member  chosen  by  the  other  two. 

The  Board  of  Retirement  serves  without  compensation,  but  claims 
for  loss  of  salary  or  wages  or  expenses  incurred  by  reason  of  service 
upon  the  Board  are  paid  from  the  contingent  fund,  after  approval 
by  the  city  council  or  board  of  selectmen. 

The  Retirement  Board  shall  — 

(a)  Have  power  to  make  necessary  rules  and  regulations. 

(&)  Employ  necessary  clerical  assistance,  subject  to  the  approval 
of  the  city  council  or  board  of  selectmen. 

(c)  Determine  the  percentage  of  wages  that  employees  shall  con- 
tribute to  the  pension  fund,  subject  to  the  maximum  and  minimum 
percentages. 

(d)  Have  power  to  classify  employees  and  to  establish  different 
rates  of  contribution  for  different  classes. 

(e)  Determine  the  application  of  any  surplus,  subject  to  the  ap- 
proval of  the  Insurance  Commissioner. 

4.     FUNDS. 

The  funds  of  the  system  are  — 

(a)  Expense  and  Contingent  Fund.  —  A  fund  appropriated  an- 
nually by  the  city  or  town  to  defray  the  expenses  of  the  system. 

(&)  Annuity  and  Pension  Fund. — A  fund  from  which  all  pen- 
sions and  annuities  are  paid,  created  by  — 

(1)  Amounts  deducted  from  salaries  or  wages  of  members. 

(2)  Amounts  contributed  by  the  city  or  town.     The  city  or  town 
is  required  to  contribute  to  this  fund   such   amounts  annually  as 
with  the  contributions  of  members  will  pay  the  pensions  and  an- 
nuities provided  by  this  act. 


118  COMMISSION  ON  PENSIONS.  [Apr. 

5.     CUSTODY  AND  INVESTMENT  OF  FUNDS. 

The  city  or  town  treasurer  has  charge  and  control  of  the  funds 
of  the  system,  subject  to  the  approval  of  the  Board  of  Eetirement, 
and  invests  all  funds  not  required  for  current  disbursements,  accord- 
ing to  the  laws  relating  to  the  investment  of  sinking  funds. 

(The  remaining  provisions  follow  the  provisions  of  the  act  relat- 
ing to  employees  of  the  Commonwealth.) 


4.     JUDICIARY. 

The  laws  relating  to  the  retirement  of  judges  are  found  in  the 
following  statutes :  — 

Acts  of  1885,  chapter  162,  Revised  Laws,  chapter  158,  sections  10,  11,  Su- 
preme Judicial  Court. 

Acts  of  1887,  chapter  420,  Revised  Laws,  chapter  158,  sections  10,  11,  Su- 
perior Court  justices. 

Acts  of  1889,  chapter  310,  Supreme  Judicial  and  Superior  Court  justices. 

Acts  of  1906,  chapter  474,  probate  and  insolvency  judges. 

Acts  of  1908,  chapter  179,  judges  of  Land  Court. 

Acts  of  1910,  chapter  540,  amendment  to  probate  and  insolvency  judges. 

Acts  of  1911,  chapter  231,  judges  of  municipal  court  of  Boston. 

Acts  of  1911,  chapter  527,  amendment  to  Superior  Court  justices,  Acts  of 
1887,  chapter  420. 

Acts  of  1911,  chapter  682,  district,  municipal  and  police  court  judges. 

Any  judge  of  the  Supreme  Judicial  Court,  Superior  Court,  Land 
Court  and  Probate  and  Insolvency  Courts  who,  having  attained  the 
age  of  — 

(a)  Seventy  years,  after  having  served  at  least  ten  consecutive 
years,  resigns  his  office,  shall,  during  the  remainder  of  his  life,  re- 
ceive an  amount  equal  to  three-fourths  of  the  salary  by  law  payable 
to  him  at  the  time  of  his  resignation,  to  be  paid  by  the  Common- 
wealth in  the  same  manner  as  the  salaries  of  said  judges  are  paid. 

(&)  Sixty  years,  after  having  served  at  least  fifteen  consecutive 
years,  shall  have  become  disabled  from  the  full  discharge  of  his 
duties  as  such  judge  by  reason  of  illness  or  otherwise,  may,  with 
the  approval  of  the  Governor  and  Council,  resign  his  office  and  shall, 


1914.]  HOUSE  — No.  2450.  119 

during  the  remainder  of  his  life,  receive  the  same  amount  and  in 
the  same  manner  provided  for  in  (a). 

Any  justice  of  the  Superior  Court  who  resigns  after  seventy  years 
of  age,  performs  service  only  with  his  own  consent  on  the  written 
request  of  the  chief  justice  of  the  court,  but  he  shall  not  be  counted 
among  the  justices  provided  by  law  for  the  Superior  Court,  and  on 
his  retirement  another  justice  shall  be  appointed  in  his  place. 

DISTRICT,  MUNICIPAL  AND  POLICE  COURT  JUDGES. 
Any  judge  of  the  above  courts  who  shall  have  reached  the  age  of 
seventy  years,  and  who  has  served  for  at  least  twenty  consecutive 
years,  may,  with  the  consent  of  the  Governor  and  Council,  resign 
his  office,  and  shall,  during  the  remainder  of  his  life,  receive  an 
amount  equal  to  three-fourths  of  the  salary  payable  to  him  at  the 
time  of  his  resignation,  in  the  same  manner  in  which  the  salaries  of 
acting  judges  are  paid. 

MUNICIPAL  COURT  OF  BOSTON. 

The  chief  justice  and  any  associate  justice  of  this  court  who  shall 
resign  his  office  after  having  attained  the  age  of  seventy  years,  and 
after  having  served  in  said  court  at  least  twenty  consecutive  years, 
shall,  during  the  remainder  of  his  natural  life,  receive  an  amount 
equal  to  three-fourths  of  the  salary  payable  to  him  by  law  at  the  time 
of  his  resignation,  to  be  paid  by  the  county  of  Suffolk  in  the  same 
manner  in  which  the  salaries  of  county  justices  are  paid. 

HISTORY  OF  RETIREMENT  SYSTEM  FOR  JUDGES. 

In  1885  the  first  law  was  passed  enabling  justices  of  the  Supreme 
Judicial  Court  to  retire  at  the  age  of  seventy  on  three-fourths  salary. 
This  was  followed  by  a  similar  law  passed  in  1887,  relative  to 
justices  of  the  Superior  Court.  Both  these  acts  were  repealed  in 
1899  and  a  new  act  was  passed  providing  for  retirement  at  the  age 
of  seventy  as  formerly,  and  further  providing  for  retirement,  with 
the  consent  of  the  Governor  and  Council,  of  any  justice  at  the  age 
of  sixty,  after  fifteen  years  of  service,  who  became  incapacitated  for 
service  by  illness  or  otherwise. 

In  1906  the  judges  of  Probate  and  Insolvency  Courts  were  in- 
cluded in  the  same  provisions  of  retirement  as  the  justices  of  the 


120  COMMISSION  ON  PENSIONS.  [Apr. 

Supreme  and  Superior  Courts,  except  upon  one-half  salary  instead  of 
three-fourths;  but  this  was  changed  in  1910,  and  the  retirement  al- 
lowance was  made  the  same,  viz.,  three-fourths  of  salary. 

In  1908  the  provisions  for  retirement  and  retirement  allowances 
were  extended  to  include  the  judges  of  the  Land  Court. 

In  1911  laws  were  passed  providing  retirement,  upon  three-fourths 
salary  at  the  age  of  seventy  after  twenty  years'  service,  of  justices  of 
the  municipal  court  of  Boston  and  justices  of  the  district,  municipal 
and  police  courts  throughout  tne  State,  the  only  difference  being 
that  the  justices  of  the  municipal  court  of  Boston  may  retire  with- 
out the  consent  of  the  Governor  and  Council,  which  consent  is  re- 
quired in  the  case  of  the  justices  of  the  district,  municipal  and 
police  courts. 


5.     POLICE. 

A.     CITIES  AND  TOWNS  (EXCEPT  BOSTON). 

The  laws  relative  to  pensions  for  old  age  and  disability  and  an- 
nuities for  police  in  cities  and  towns  in  the  Commonwealth  (except 
Boston)  are  found  in  the  following  statutes :  — 

Acts  of  1892,  chapter  378,  retirement  for  old  age  or  disability  in  cities  of  over 

75,000  population,  upon  acceptance  by  city. 
Acts   of   1901,   chapter   377,   retirement   for   disability   incurred   in   service. 

Applied  to  any  city  or  town  upon  acceptance. 
Revised  Laws,  chapter  108,  sections  29,  30,  amending  Acts  of  1892,  chapter 

378. 

Revised  Laws,  chapter  108,  section  31,  amending  Acts  of  1901,  chapter  377. 
Acts  of  1902,  chapter  437,  annuities  to  widows  and  orphans.    Applies  to  any 

city. 
Acts  of  1903,  chapter  428,  amending  Revised  Laws,  chapter  108,  sections  29, 

30,  to  affect  all  cities  by  striking  out  "  over  75,000." 
Acts  of  1904,  chapter  327,  retirement  for  age  and  disability  in  towns. 
Acts  of  1905,  chapter  246,  Massachusetts  Police  Mutual  Aid  Association. 
Acts  of  1907,  chapter  186,  annuities   to   widows   and   orphans.      Applies   to 

towns. 
Acts  of  1909,  chapter  188,  amending  Revised  Laws,  chapter  108,  as  amended. 

Refers  to  disability. 
Acts  of  1910,  chapter  295,  excluding  Boston  from  Massachusetts  Mutual  Aid 

Association. 


1P 

OF  THE 
UNIVERSITY 

1914.]  HOUSE  —  No.  2450.  V  J21 

>    !  1'  ' 
Acts  of  1912,  chapter  447,  veterans  in  service  of  cities  and  towns. 

Acts  of  1913,  chapter  657,  service  rendered  by  pensioners  except  jury  duty. 
Acts  of  1913,  chapter  681,  pensioners   performing  police  duty  after  retire- 
ment. 

The  system  is  noncontributory.  The  pension  or  annuity  in  each 
case  is  paid  by  the  city  or  town,  and  the  acts  relative  to  retirement 
must  be  accepted  by  the  city  or  town  before  becoming  operative. 

Retirement  Board. 

The  Retirement  Board  in  cities  consists  of  the  board  of  police, 
and  in  cities  where  there  is  no  board  of  police,  the  mayor  and  alder- 
men; in  towns,  the  board  or  officer  having  authority  to  make  ap- 
pointments to  the  police  force. 

Retirement  (in  Cities). 

Age.  — There  is  no  provision  in  the  laws  now  in  force  for  retire- 
ment on  account  of  age.  The  provisions  of  Revised  Laws,  chapter 
108,  section  29,  for  retirement  at  the  age  of  sixty-five,  after  fifteen 
years'  service  were  stricken  out  by  amendment  of  the  Acts  of  1909, 
chapter  188. 

Disability.  —  Any  member  — 

(a)  Shall  be  retired  upon  his  request  or  the  request  of  the  chief  of 
police,  whom  the  city  physician  certifies  in  writing  to  be  permanently 
disabled  mentally  or  physically  by  injuries  sustained  through  no  fault 
of  his  own,  in  the  actual  performance  of  duty,  from  performing 
further  duty. 

(b)  May  be  retired  who  has  performed  faithful  service  for  not 
less  than  twenty  years  continuously,  if  in  the  judgment  of  the  board 
such  member  is  disabled  for  useful  service. 

Retirement  (in  Towns). 

The  selectmen  of  every  town  which  accepted  the  provisions  of  the 
Acts  of  1904,  chapter  327,  may  retire  and  place  upon  the  pension 
roll  any  member  of  the  police  department  who  is  — 

(a)  Sixty  years  of  age  or  over,  after  not  less  than  twenty-five 
years  of  continuous  service. 

(&)  Permanently  incapacitated,  mentally  or  physically,  for  useful 
service  by  injuries  received  through  no  fault  of  his  own  in  the  actual 
performance  of  duty. 


122  COMMISSION  ON  PENSIONS.  [Apr. 

Amount  of  Pension. 

The  pension  paid  in  every  case  is  one-half  of  the  annual  com- 
pensation received  at  time  of  retirement. 

Annuities  to  Widows  and  Orphans. 

The  acts  providing  for  annuities  to  widows  and  orphans  must  be 
accepted  in  cities  by  the  vote  of  the  city  council  and  in  towns  by  a 
vote  of  two-thirds  of  the  voters  of  the  town  present  and  voting  at 
the  town  meeting. 

If  a  policeman  dies  from  injuries  received  through  no  fault  of 
his  own  in  the  actual  performance  of  duty,  a  pension  may  be  paid, 
not  exceeding  $400  yearly  in  cities  and  $300  yearly  in  towns,  to  his 
widow  so  long  as  she  remains  unmarried,  or  if  there  is  no  widow 
to  a  child  or  children,  so  long  as  they  are  under  sixteen  years  of  age. 

By  whom  paid. 

In  every  case  the  pensions  and  annuities  are  paid  by  the  city  or 
town. 

Other  Provisions. 

The  selectmen  of  any  town,  in  case  of  emergency,  can  call  upon 
retired  members  for  temporary  service,  for  which  service  the  mem- 
ber is  entitled  to  full  pay. 

A  member  in  receipt  of  a  pension  cannot  receive  pay  for  any 
other  service  for  the  city  or  town  except  as  juror,  and  in  case  he 
accepts  employment  as  a  police  officer  in  any  city  or  town  of  the 
Commonwealth  his  pension  ceases  during  such  employment. 

B.     BOSTON. 

The  laws  relating  to  pensions  for  old  age  or  disability  and  annu- 
ities for  the  police  of  Boston  are  found  in  the  following  statutes :  — 

Acts  of  1878,  chapter  244,  first  retirement  act  for  pensions  and  annuities. 

Acts  of  1879,  chapter  97,  relating  to  police  officers  of  cities  and  towns  an- 
nexed to  Boston. 

Acts  of  1883,  chapter  14,  correcting  omission  of  lieutenants  in  act  of  1878. 

Acts  of  1887,  chapter  178,  increasing  pensions  for  disability  from  one-third 
to  one-half  pay,  and  changing  form  of  payment  of  pensions. 


1914.]  HOUSE  — No.  2450.  123 

Acts  of  1892,  chapter  353,  relating  to  retirement  on  account  of  old  age  or 
disability. 

Acts  of  1893,  chapter  51,  relating  to  increase  from  one-third  to  one-half  pay 
of  former  members  who  had  been  retired. 

Acts  of  1898,  chapter  172,  relating  to  veterans. 

Acts  of  1900,  chapter  306,  making  retirement  compulsory  on  request  at  age 
of  sixty  after  twenty-five  years  of  service. 

Acts  of  1903,  chapter  312,  including  engineers  and  firemen  of  police  depart- 
ment in  pension  system. 

Acts  of  1904,  chapter  402,  including  members  of  police  signal  service,  but 
act  not  accepted  by  city  council. 

Acts  of  1906,  chapter  291,  vesting  powers  of  board  of  police  in  single  com- 
missioner. 

Acts  of  1913,  chapter  657,  providing  pensioners  shall  not  be  paid  for  service 
to  the  city,  except  as  jurors. 

Acts  of  1913,  chapter  681,  pension  to  cease  during  employment  as  police 
officer. 

Acts  of  1913,  chapter  770,  including  police  department  of  Hyde  Park. 

The  system  is  noncontributory.  All  pensions  for  disability  and 
old  age  and  annuities  are  paid  by  the  city.  The  Police  Commis- 
sioner, by  virtue  of  his  statutory  power,  makes  requisition  upon  the 
city  for  the  amount  required  for  pensions  in  the  same  manner  as 
other  expenses  of  the  department.  Retirement  is  made  by  the 
Police  Commissioner  with  the  approval  of  the  mayor. 

Any  member  of  the  department  (including  engineers  and  fire 
men)  shall  be  retired  who  is  — 

(a)   Sixty-five  years  of  age  (1892). 

(&)  Sixty  years  of  age  and  has  performed  active  service  in  the 
department  for  twenty-five  consecutive  years,  and  requests  retire- 
ment (1900). 

(c)  A  veteran  of  the  war  of  the  rebellion,  who  is  sixty  years  of 
age  or  has  had  twenty  years'  active  service  in  the  department,  if  he 
requests  retirement  (1898). 

Any  member  may  be  retired  who  is,  — 

(d)  In  the  judgment  of  the  Police  Commissioner,  incapacitated 
for  useful  service  upon  the  force,  and  who  has  performed  faithful 
service  for  a  period  of  not  less  than  twenty  years  (1892). 

(e)  Certified  in  writing  by  a  physician  to  the  board  of  health  to 
be  permanently  incapacitated,  either  mentally  or  physically,  from 
injuries  sustained  in  the  actual  performance  of  his  duty,  for  further 
performing  police  duty  (1892). 


124  COMMISSION  ON  PENSIONS.  [Apr. 

(/)  Certified  in  writing  by  a  physician  to  the  board  of  health  to 
be  permanently  incapacitated  for  performing  his  duty  and  has  served 
fifteen  years. 

Amount  of  Pension. 

The  pension  paid  in  each  case  is  one-half  the  annual  compensation 
of  the  member  at  time  of  retirement  (1890),  except  in  the  case  of 
members  who  have  performed  service  for  fifteen  years  and  less  than 
twenty  years  and  are  permanently  incapacitated  otherwise  than  from 
injury  received  on  duty,  where  the  pension  is  one-third  the  annual 
compensation  of  the  member  at  time  of  retirement  (1887). 

Death. 

If  a  policeman  dies  from  injuries  received  while  in  the  discharge 
of  his  duty  and  shall  leave  a  widow,  or  if  no  widow  any  child  or 
children  under  the  age  of  sixteen  years,  a  sum  not  exceeding  $300 
may  be  paid  by  the  city  as  annuity  to  the  widow,  so  long  as  she  re- 
mains unmarried,  or  to  the  child  or  children  until  they  reach  the 
age  of  sixteen  years.  The  procedure  is  for  the  widow  or  children 
to  petition  the  city  council  for  the  annuity,  and  the  Police  Com- 
missioner determines  the  amount,  not  exceeding  the  limit  (1887). 

Other  Provisions. 

A  member  in  receipt  of  a  pension  cannot  receive  pay  for  any  other 
service  for  the  city  except  as  jurors,  and  in  case  he  accepts  employ- 
ment as  a  police  officer  in  any  city  or  town  of  the  Commonwealth 
his  pension  ceases  during  such  employment. 

The  Police  Commissioner,  in  case  of  emergency,  can  call  upon 
any  member  receiving  a  pension  for  temporary  service,  during  which 
he  receives  full  pay.  This  provision  of  the  law  has  never  been 
exercised  by  the  present  Police  Commissioner,  and  was  probably 
inserted  to  remedy  the  question  of  constitutionality. 

Cost. 

The  amount  paid  by  the  city  of  Boston  for  pensions  in  its  police 
department  for  the  year  ending  Jan.  31,  1913,  was  $139,847.11. 

The  number  of  pensioners  as  of  Oct.  1,  1913,  was  as  follows:  211 
patrolmen  and  officers,  14  widows  of  men  who  died  from  injuries  re- 
ceived in  the  service,  and  1  dependent  mother  of  a  man  who  died  from 
injuries  received  in  the  service. 


1914.]  HOUSE  —  No.  2450.  125 

Police  Belief  Association. 

The  Boston  Police  Relief  Association  is  a  voluntary  organization 
incorporated  under  the  Acts  of  1876,  chapter  16,  composed  of  mem- 
bers of  the  police  force  and  of  former  members  now  retired,  who 
were  members  of  the  association  when  in  active  service.  It  has 
power  to  receive  grants,  devises,  bequests  and  donations,  and  may 
hold  real  and  personal  estate  not  exceeding  $500,000. 

Members  are  assessed  and  the  association  pays  to  members  $1  a 
day  during  sickness,  after  the  first  three  days;  to  a  member  on  the 
death  of  his  wife,  $100 ;  and  to  a  designated  beneficiary,  or  to  the 
legal  heirs  of  a  deceased  member,  $1,000  on  his  death.  The  asso- 
ciation is  not  self-supporting,  but  the  deficit  is  made  up  chiefly  by 
the  profits  of  an  annual  policemen's  ball. 

Financial  Report. 

Number  of  members, 1,367 

Assets, $162,759  20 

Liabilities, 

Receipts  from  assessments, 13,367  00 

Receipts  from  other  sources, 32,624  84 

Benefits  paid, 35,601  00 

Other  expenses, 941  79 

Police  Charitable  Fund. 

The  Police  Charitable  Fund  is  in  the  custody  of  the  treasurer  of 
the  city  of  Boston.  Formerly  all  witness  fees  received  by  officers  from 
attendance  at  court  were  paid  into  this  fund,  but  since  that  practice 
ceased,  the  fund  has  no  income  except  interest  accumulation. 

The  income  only  is  expended  by  the  Police  Commissioner,  with 
the  approval  of  the  mayor,  for  the  relief  of  persons  who  have  received 
an  honorable  discharge  from  the  police  force  because  of  sickness, 
age  or  disability,  and  are,  in  consequence  of  such  disability,  in  neces- 
sitous circumstances;  and  for  the  relief  of  widows  and  orphans, 
in  necessitous  circumstances,  of  police  officers  who  have  died  while 
in  the  service  or  from  effects  of  injuries  received  in  the  performance 
of  duty. 


126  COMMISSION  ON  PENSIONS.  [Apr. 


Financial  Report. 

Number  of  beneficiaries, 66 

Amount  of  fund,  Dec.  31,  1913, $207,550  00 

Income  during  1913, 7,716  76 

Total  disbursements, 7,528  00 

Monthly  payment  for  December,  1913, 639  00 

History  of  Retirement  System  for  Boston  Police. 

The  Boston  police  pension  system  dates  from  June  17,  1870,  when 
the  Boston  city  council  passed  an  ordinance  expressly  creating  the 
Police  Charitable  Fund,  from  which  payments  could  be  made  to 
retired  policemen  in  needy  circumstances  and  to  the  widows  and 
orphans  of  policemen  who  had  died  in  the  service.  It  was  the  be- 
ginning of  the  system. 

The  original  fund  still  survives,  and  payments  from  it  are  now 
made,  mainly  upon  the  lines  originally  laid  down,  but  to-day  it 
is  absolutely  independent  of  the  municipal  pension  system.  The  first 
real  pension  legislation  was  drafted  with  the  1870  ordinance  as  a 
basis.  The  controlling  reason  for  its  passage  was  that  the  fees  of 
policemen  as  witnesses  paid  to  the  city  treasurer  direct  should  inure 
to  the  benefit  of  the  policemen.  The  city  waived  its  rights  to  these 
witness  fees,  and  the  accumulation  of  such  fees,  with  interest,  consti- 
tutes the  Police  Charitable  Fund  as  it  exists  to-day. 

A  study  of  the  system  as  it  exists  to-day  begins  naturally  with  the 
first  fund  and  the  first  ordinance.  It  was  passed  June  17,  1870,  as 
an  amendment  to  the  general  police  ordinance,  and  it  provided 
that:  — 

All  moneys  received  by  police  officers  for  fees  as  witnesses,  and  paid  by 
them  into  the  city  treasury,  shall  be  kept  as  a  separate  fund  for  a  period  of 
five  years,  and  be  invested  and  managed  by  the  mayor,  treasurer  and  auditor 
of  the  city  for  the  time  being,  who  shall  be  trustees  thereof.  The  income  of 
the  said  fund  shall  be  applied  to  the  relief  of  persons  who  have  received  an 
honorable  discharge  from  the  police  force,  by  reason  of  sickness,  age  or  other 
disability,  and  who  in  consequence  thereof  are  in  necessitous  circumstances; 
and  also  to  the  relief  of  the  widows  and  orphans  in  necessitous  circumstances 
of  police  officers  who  have  died  while  in  the  service  of  the  city.  Said  trustees 
may  make  such  rules  and  regulations  for  the  appropriation  and  disbursement 
of  the  interest  of  said  fund  as  they  may  deem  expedient,  subject,  however,  to 
such  orders  or  ordinances  as  the  city  council  may  from  time  to  time  adopt. 


1914.]  HOUSE  — No.  2450.  127 

The  first  record  of  payment  out  of  this  fund  was  in  1872,  when 
a  total  of  $21.50  is  found  charged  to  the  account,  but  it  took  almost 
five  years  before  the  total  payments  of  any  one  year  ran  in  excess 
of  $1,000. 

In  1878  the  first  pension  act  relative  to  policemen  was  passed  by 
the  Legislature  in  the  enactment  of  chapter  244  of  the  acts  of  that 
year.  The  chapter  in  question  was  a  general  police  act,  but  there 
was  incorporated  in  it  a  provision  for  the  retirement  on  one-third 
salary  of  men  who  had  served  fifteen  years  in  the  department  and 
who  were  found  by  the  city  physician  to  be  incapacitated  for  police 
duty.  And  for  the  payment  of  the  pensions  authorized,  the  Board 
of  Police  Commissioners  was  given  authority  to  draw  upon  the 
trustees  of  the  Charitable  Fund,  established  by  the  1870  ordinance, 
and  in  addition  on  any  sums  specially  appropriated  by  the  city 
council.  The  city  council  was  further  given  authority  to  appro- 
priate, and  the  Police  Commissioners  to  expend,  money  for  the 
widows  and  orphan  children  of  policemen  who  were  killed  or  died 
from  injuries  received  while  in  the  discharge  of  their  duty.  In 
July  of  the  same  year,  after  the  enactment  of  this  measure,  the  city 
council  passed  a  new  ordinance  to  meet  the  situation. 

Thus  in  one  year  two  important  steps  had  been  taken.  The  retire- 
ment of  policemen  was  authorized  and  a  pension  system  which  ignored 
the  needy  condition  phase  had  been  established,  and  the  power  of  the 
city  council  to  make  direct  money  appropriations  for  pension  pur- 
poses was  established.  In  the  fiscal  year  1878-79,  under  this  author- 
ity, the  first  actual  pension  expenditure  is  found  to  be  $3,040. 

In  1879  this  act  was  amended  by  the  passage  of  chapter  97 
of  the  acts  of  that  year,  but  the  amendment  consisted  simply  of  a 
broadening  of  the  scope  of  the  act  to  make  eligible  for  pensions 
men  who  had  served  as  police  officers  in  cities  and  towns  which  had 
been  annexed  to  Boston,  so  that  their  time  of  service  in  these  munic- 
ipalities before  annexation  would  count  towards  the  fifteen  years 
specified. 

The  first  really  striking  change  in  the  1878  law  did  not  come  until 
1887,  and  was  brought  about  by  chapter  178  of  the  acts  of  that  year. 
This  measure  provided  for  the  retirement  of  members  of  the  de- 
partment who  had  been  disabled  in  the  performance  of  duty  on  a 
pension  of  one-half  of  their  salary,  thus  making  another  little  up- 


128  COMMISSION  ON  PENSIONS.  [Apr. 

ward  increase.  This  chapter  also  repealed  section  5  of  chapter  244 
of  the  Acts  of  1878,  which  contained  among  other  things  the  author- 
ity for  the  Police  Commissioners  to  draw  upon  the  Police  Charitable 
Fund  to  meet  the  pension  expenses.  Thus  while  the  effect  of  the 
new  chapter  was  to  continue  the  old  system  of  pensions,  and  to  add 
a  new  class,  namely,  those  disabled  in  line  of  duty  on  a  half-pay  basis, 
no  provision  was  made  as  to  who  should  pay  the  pensions,  nor  from 
what  fund  or  source  they  should  be  paid.  As  a  matter  of  fact,  pen- 
sion payments  continued  to  be  made  out  of  annual  appropriations 
by  the  city  council,  and  from  the  income  of  the  Police  Charitable 
Fund. 

In  1892,  for  the  first  time,  it  was  provided  by  the  enactment  of 
chapter  353  of  the  Acts  of  1892  that  all  pensions  should  be  paid  by 
the  city  of  Boston  out  of  city  council  appropriations,  and  entirely 
independent  of  the  Police  Charitable  Fund.  This  act  of  1892, 
chapter  353,  is  the  real  basis  of  the  present  Boston  police  pensioning 
system.  Its  provisions  were  in  addition  to  and  not  in  repeal  of  any 
act  then  in  force,  leaving  the  prior  law  for  assistance  for  the  families 
of  members  killed  in  the  service  untouched.  It  provided  for :  - 

(a)   Compulsory  retirement  at  age  of  sixty-five. 

(&)   Retirement  after  twenty  years'  service,  if  incapacitated. 

(c)  Retirement  on  account  of  injuries  received  in  the  perform- 
ance of  duty. 

It  further  provided  — 

(d)  That  veterans  should  not  be  retired  at  the  age  of  sixty-five 
except  upon  their  own  request. 

The  amount  of  all  the  pensions  in  each  case  was  fixed  at  one- 
half  the  salary.  There  was  a  doubt,  evidently,  as  to  the  constitution- 
ality of  the  act,  and  a  clause  was  inserted  in  the  act,  making  the 
retired  members  subject  to  service  calls  for  temporary  service  in  cases 
of  emergency.  Another  change  made  in  procedure  by  this  act  was  a 
provision  allowing  the  retirement  of  a  member  of  the  department 
by  a  majority  vote  of  the  police  board.  Previously,  retirements  could 
be  made  only  by  an  affirmative  vote  of  all  the  members  of  the  board, 
with  the  approval  of  the  mayor. 

The  passage  of  this  act  established  two  general  classes  of  pen- 
sioners, —  those  retired  under  former  acts  who  in  the  main  were 
only  receiving  one-third  pensions,  and  those  retired  under  the  1892 
act  on  one-half  salary.  An  agitation  for  uniformity  started  at  once. 


1914.]  HOUSE  — No.  2450.  129 

In  1893,  chapter  51,  that  end  was  attained,  for  it  provided  that  all 
the  one-third  salary  pensioners  should  be  transferred  to  the  one- 
half-rate  class. 

Since  1893,  while  the  changes  in  the  police  pension  code  have 
been  numerous  they  have  been  chiefly  in  the  way  of  adding  new 
classes  of  pensioners,  and  in  modifying  the  conditions  under  which 
retirements  could  be  had. 

Thus  the  Acts  of  1898,  chapter  172,  changed  the  status  of  the 
veteran  in  the  police  department.  Previous  to  the  enactment  of  this 
measure  he  could  only  retire  at  sixty-five  years,  after  twenty  years' 
service  and  with  the  approval  of  the  board.  This  chapter  allowed 
him  voluntarily  to  retire  at  sixty,  after  twenty  years'  service  and 
independent  of  the  board's  approval. 

Acts  of  1900,  chapter  306,  made  it  compulsory  on  the  police  board 
to  retire  any  man  who  had  reached  the  age  of  sixty,  after  twenty- 
five  years'  service,  who  so  requested. 

Acts  of  1903,  chapter  312,  included  the  engineers  and  firemen  in 
the  department  (on  the  harbor  police  boats),  in  the  retirement  act 
of  1900,  the  act  taking  effect  on  its  passage,  acceptance  by  the  city 
council  not  being  required. 

Acts  of  1904,  chapter  402,  also  authorized  the  addition  of  the 
members  of  the  police  signal  service  to  the  pensionable  list.  In  this 
act  it  was  provided  that  the  act  should  not  take  effect  until  accepted 
by  the  city  council,  but  that  body  failed  to  take  such  action  and  the 
act  has  never  taken  effect. 

It  should  be  noted  that  the  first  act,  chapter  244,  Acts  of  1878, 
named  specifically  the  members  of  the  department  who  were  to  be 
eligible  for  retirement,  viz.,  captains,  inspectors,  sergeants  and 
patrolmen,  while  subsequent  acts  all  provided  for  the  retirement  of 
any  members  of  the  department;  there  are  about  100  employees  of 
the  department  as  clerks,  matrons,  etc.,  who  have  never  been  con- 
sidered as  members  of  the  department. 

Acts  of  1906,  chapter  291,  provided  that  the  powers  of  the  Board 
of  Police  Commissioners  be  vested  in  a  single  commissioner. 

Acts  of  1913,  chapter  681,  provided  that  the  pensions  of  retired 
police  officers  (the  State  over)  should  be  suspended  during  employ- 
ment on  police  duty  in  another  place  than  where  pensioned. 

Acts  of  1913,  chapter  657,  provided  that  retired  policemen  cannot 
draw  pay  for  any  service  to  the  city  except  as  jurors. 


130  COMMISSION  ON  PENSIONS.  [Apr. 

Acts  of  1913,  chapter  770,  simply  made  the  Hyde  Park  policemen 
eligible  in  the  Boston  pension  system,  that  town  having  been  annexed 
to  Boston. 


C.     DISTRICT  POLICE  OF  THE  COMMONWEALTH. 
Acts  of  1911,  chapter  675. 

Any  member  of  the  district  police  of  the  Commonwealth  shall  be 
retired  and  placed  upon  the  pension  roll  at  his  own  request  — 

(a)  Who  is,  in  the  judgment  of  the  Governor,  disabled  for  useful 
service,  and  who  is  certified  by  a  physician  to  be  permanently  in- 
capacitated, either  physically  or  mentally,  by  injuries  sustained 
through  no  fault  of  his  own  in  the  actual  performance  of  duty. 

(ft)  Who  has  performed  faithful  service  for  not  less  than  twenty 
years  and  is,  in  the  judgment  of  the  Governor,  incapacitated  for 
further  service. 

Pension. 

Upon  retirement  he  annually  receives  a  pension  equal  to  one-half 
the  compensation  received  by  him  at  the  time  of  retirement. 

How  Paid. 

All  pensions  and  expenses  connected  therewith  are  paid  out  of  the 
treasury  of  the  Commonwealth. 

D.     METROPOLITAN  PARK  POLICE. 

Acts  of  1909,  chapter  453. 
Acts  of  1913,  chapter  545. 

The  Metropolitan  Park  Commission  shall,  at  his  own  request,  if, 
in  its  judgment,  he  is  disabled  for  useful  service,  retire  any  mem- 
ber of  the  police  department  of  the  commission,  — 

(a)  Who  is  certified  by  a  physician  selected  by  the  board  to  be 
permanently  disabled,  either  mentally  or  physically,  by  injuries  sus- 
tained through  no  fault  of  his  in  the  actual  performance  of  duty. 

(&)  Who  has  performed  faithful  service  for  not  less  than  twenty 
years  continuously,  if  he  is,  in  its  judgment,  incapacitated  for  useful 
service. 


1914.]  HOUSE  — No.  2450.  131 

Pension. 

Retired  members  receive  annually  as  a  pension  one-half  the  amount 
of  compensation  received  at  time  of  retirement. 

Annuities. 

In  case  of  death  from  injuries  received  while  in  discharge  of  duty, 
an  annuity  may  be  paid  to  the  widow  or  children  not  exceeding  $600 
annually. 

How  paid. 

Pensions  and  annuities  are  paid  out  of  the  Metropolitan  Park 
Maintenance  fund  from  specific  appropriations  for  the  purpose. 


6.     FIREMEN. 

A.     CITIES  AND  TOWNS   (EXCEPT  BOSTON). 

The  laws  relating  to  pensions  for  old  age  and  disability  and  annu- 
ities for  firemen  in  cities  and  towns  of  the  Commonwealth  (except 
Boston)  are  found  in  the  following  statutes :  — 

Revised  Laws,  chapter  32,  section  77,  allowance  to  families  of  firemen  killed 

or  fatally  injured. 

Revised  Laws,  chapter  32,  section  81,  in  cities,  pensions  for  disability. 
Revised  Laws,  chapter  32,  section  82,  in  cities,  pensions  for  age,  service,  etc. 
Acts  of  1890,  chapter  450,  Massachusetts  State  Firemen's  Association. 
Acts  of  1904,  chapter  327,  towns  may  pension. 
Acts  of  1906,  chapter  171,  to  increase  payment  to  association. 
Acts  of  1906,  chapter  476,  in  cities,  call  or  substitute  call  firemen  may  be 

pensioned. 

Acts  of  1907,  chapter  186,  annuities  to  widows  and  orphans  in  towns. 
Acts  of  1910,  chapter  196,  New  Bedford  system. 
Acts  of  1911,  chapter    90,  injured  in  drills. 
Acts  of  1912,  chapter  453,  Somerville  system. 
Acts  of  1913,  chapter  697,  in  cities,  pensions  to  permanent  and  call  men. 

The  system  is  noncontributory,  and  takes  effect  in  cities  upon  ac- 
ceptance by  the  city  council,  and  in  towns  upon  acceptance  by  a  vote 
of  two-thirds  of  the  voters  present  and  voting  thereon  at  the  annual 
town  meeting. 


132  COMMISSION  ON  PENSIONS.  [Apr. 

Retirement  Board. 

(a)  The  fire  commissioner  or  commissioners  in  cities  having  such 
an  official,  and  in  other  cities  the  board  of  aldermen,  or  the  board  or 
body  having  the  powers  of  the  aldermen,  in  all  cases  with  the  ap- 
proval of  the  major. 

(b)  In  towns,  the  board  of  selectmen. 

Retirement. 

Age.  —  (a)  In  cities  any  permanent  member  shall  be  retired 
upon  his  request  who  has  attained  the  age  of  sixty  years,  and  has 
performed  service  for  twenty-five  years. 

(b)  In  towns  any  permanent  member  may  be  retired  who  is  not  less 
than  sixty  years  of  age  and  who  has  performed  faithful  service  for 
not  less  than  twenty-five  years  continuously. 

Disability.  —  (a)  In  cities  any  permanent  or  call  member  shall 
be  retired  whom  the  city  physician  certifies  to  be  permanently  dis- 
abled, mentally  or  physically,  by  injuries  sustained  or  illness  in- 
curred through  no  fault  of  his  in  the  actual  performance  of  duty,  from 
further  performing  duty;  or  any  permanent  member,  after  twenty- 
five  years'  service,  if  in  the  judgment  of  the  board  or  official  such 
member  is  disabled  for  useful  service. 

(6)  In  towns  any  permanent  member  shall  be  retired  if  found  to  be 
permanently  incapacitated,  mentally  or  physically,  for  useful  service 
by  injuries  received  through  no  fault  of  his  own  in  the  actual  per- 
formance of  duty. 

Amount  of  Pension. 

(a)  In   cities    permanent   members   upon   retirement   receive   an 
annual  pension  payable  monthly  equal  to  one-half  the  annual  salary 
during  the  last  year  of  service ;  call  members  receive  the  same  pension 
as  permanent  members  of  the  first  grade  of  the  same  department  in 
which  he  serves,  or  if  there  be  no  grades,  the  same  as  a  permanent 
member  performing  like  duties. 

(b)  In  towns  the  pension  is  a  sum  equal  to  one-half  the  compensa- 
tion received  by  him  at  time  of  retirement. 


1914]  HOUSE  — No.  2450.  133 


By  whom  paid. 

The  pensions  enumerated  above  in  every  case  are  paid  by  the  city 
or  town. 

Annuities  to  Widows  and  Orphans. 

1.  Massachusetts   State    Firemen's   Association.  —  Annually    the 
Commonwealth  appropriates  $15,000  to  be  paid  to  the  treasurer  of 
the  association  and  to  be  called   "  the  Firemen's  Relief  Fund  of 
Massachusetts,  "  to  be  used  in  the  manner  and  to  the  amount  to  be 
determined  by  a  board,  for  the  relief  of  firemen  who  may  be  injured 
in  the  performance  of  their  duty  at  fires  or  in  going  to  or  returning 
from  fires,  and  for  the  relief  of  widows  and  children  of  firemen 
killed  in  the  performance  of  their  duty. 

2.  State  Payment.  —  The  Treasurer  of  the  Commonwealth  pays 
to  the  executor  or  administrator,  for  the  use  of  the  widows  and  chil- 
dren of  any  fireman  or  members  of  the  protective  department,  or  any 
person  doing  fire  duty  by  request,  who  is  killed  or  dies  within  sixty 
days  from  injuries  received  while  doing  duty,  the  sum  of  $1,000. 
The  sums  disbursed  are  paid  from  moneys  received  for  taxes  from 
fire  insurance  companies. 

3.  Towns.  —  Towns  accepting  the  provisions  of  chapter   186  of 
the  Acts  of  1907  may  grant  an  annuity  not  exceeding  $300  annually 
to  the  widow  or  children  of  any  fireman  who  dies  from  injuries  re- 
ceived in  the  actual  performance  of  duty. 

Other  Provisions. 

Persons  receiving  pensions  or  annuities  cannot  be  paid  for  any 
service  except  jury  duty  by  the  city  or  county  or  town  paying  the 
pension  or  annuity. 

In  towns  the  selectmen  in  case  of  emergency  may  call  upon  retired 
firemen  for  temporary  duty. 

Cities  having  Systems  created  by  Special  Acts. 

JSTew  Bedford  and  Somerville  are  exempt  from  the  general  system 
and  have  pension  systems  created  by  special  acts  of  the  General 
Court. 

The  general  pension  act  (Revised  Laws,  chapter  32,  section  82 ; 


134  COMMISSION  ON  PENSIONS.  [Apr. 

Acts  of  1900,  chapter  246)  had  provided  retirement  at  age  sixty-five, 
and  left  to  the  city  council  the  amount  of  pensions.  The  New  Bed- 
ford system  was  authorized  by  Acts  of  1910,  chapter  196.  It  made 
the  retirement  age  sixty  instead  of  sixty-five,  and  provided  for  one- 
half  compensation  instead  of  leaving  the  amount  to  the  city  council. 
It  further  provided  for  retirement  by  the  board  of  fire  engineers, 
with  the  approval  of  the  mayor. 

The  Somerville  special  system  was  authorized  by  chapter  453  of 
the  Acts  of  1912.  To  make  it  effective,  chapter  246  of  the  Acts  of 
1900  was  repealed  so  far  as  it  applied  to  Somerville.  The  Somer- 
ville system  was  modeled  on  the  New  Bedford  system,  except  that 
it  left  the  age  of  retirement  at  sixty-five  as  in  the  general  act. 

These  special  systems  were  more  liberal  than  the  general  act  when 
they  were  created,  but  are  not  more  so  than  the  system,  created  by 
chapter  697  of  the  Acts  of  1913. 

Firemen  s  Relief  Associations. 

Cambridge,  Chelsea,  Lynn,  New  Bedford,  Somerville  and  Waltham 
have  firemen's  relief  associations  created  by  special  acts  of  the  Legis- 
lature. Generally  they  are  for  the  relief  and  assistance  of  firemen, 
from  funds  raised  by  assessment  and  donation,  and  exempt  from 
provisions  relating  to  the  insurance  laws. 

History  of  Retirement  Systems  for  Firemen. 

Prior  to  1890  there  were  no  laws  relative  to  pensions  and  annu- 
ities for  firemen  in  the  cities  and  towns  of  the  Commonwealth,  ex- 
cept Boston.  In  that  year  the  Massachusetts  State  Firemen's  Asso- 
ciation was  established  by  Acts  of  1900,  chapter  450,  providing 
among  other  things  for  the  payment  by  the  Commonwealth  of  $10,000 
for  relief  of  firemen  injured  in  performance  of  duty,  or  in  case  of 
death  for  relief  of  their  families.  This  act  included  within  its 
benefits  any  member  of  a  protective  department,  or  any  person  per- 
forming fire  duty  when  there  was  no  department,  but  chapter  171  of 
the  Acts  of  1906  increased  the  annual  appropriation  to  $15,000  and 
confined  the  benefits  to  firemen. 

In  1893  (chapter  401 ;  see  Kevised  Laws,  chapter  32,  section  77) 
provision  was  made  for  the  payment  of  $1,000  by  the  State  to  the 
widow  or  children  of  a  fireman  killed,  and  this  was  amended  in  1899 


1914.]  HOUSE  —  No.  2450.  135 


(chapter  417)  to  include  members  of  protective  departments  and 
certain  persons  doing  fire  duty. 

In  1898  (chapter  267)  was  passed  the  first  law  authorizing  cities 
outside  of  Boston  to  pension  firemen.  This  law  related  only  to 
disability  from  injury  received  in  performance  of  duty,  and  re- 
quired 200  registered  voters  to  petition  for  submission  of  its  ac- 
ceptance upon  the  ballpt  and  its  acceptance  by  the  voters. 

In  1900  (chapter  246)  was  passed  an  act  enabling  cities  to  pension 
firemen  at  sixty-five  after  twenty  years'  service,  and  any  member 
incapacitated  for  useful  service  after  service  of  twenty  years.  This 
was  a  marked  departure  from  the  law  of  1898,  which  allowed  pensions 
only  for  injury  incurred  through  duty. 

In  1906  (chapter  476),  upon  acceptance  of  the  act,  cities  were 
permitted,  under  such  provision  as  they  might  by  ordinance  or  vote 
prescribe,  to  pension  call  firemen  or  substitute  call  firemen. 

In  1913  (chapter  697)  was  passed  the  law  now  in  force  pro- 
viding pensions  for  permanent  and  call  men,  and  repealing  all  former 
acts  inconsistent  with  its  provisions. 

Towns  were  given  no  authority  to  pension  firemen  until  1904 
(chapter  327),  which  provided  retirement  for  disability  incurred 
by  reason  of  injury  and  for  those  who  served  twenty-five  years  and 
were  sixty  years  of  age. 

In  1907  (chapter  186)  an  act  was  passed  authorizing  towns  to  pay 
annuities  to  the  families  of  firemen  killed.  There  is  no  such 
authority  for  cities. 

B.     BOSTON. 

The  laws  relating  to  pensions  for  disability  or  old  age  and  annu- 
ities for  firemen  in  the  city  of  Boston  are  found  in  the  following 
statutes :  — 

Acts  of  1880,  chapter  107,  first  retirement  act.  Pensions  for  old  age,  dis- 
ability and  annuities  for  death.  Firemen's  Relief  Fund  established. 

Acts  of  1881,  chapter  22,  certain  provisions  of  1880  to  apply  to  protective 
department. 

Acts  of  1888,  chapter  174,  amendment  to  chapter  107,  1880. 

Acts  of  1890,  chapter  200,  relating  to  protective  department. 

Acts  of  1891,  chapter  404,  amendment  to  chapter  107,  1880,  and  chapter  174, 
1888. 

Acts  of  1892,  chapter  347,  general  act  establishing  present  system. 


136  COMMISSION  ON  PENSIONS.  [Apr. 

Acts  of  1893,  chapter  401,  (R.  L.,  Sec.  77,  Chap.  32)  $1,000  paid  by  State 
to  family  of  fireman  killed  on  duty. 

Acts  of  1895,  chapter  449,  single  commissioner  substituted  for  board. 

Acts  of  1898,  chapter  246,  city  may  expend  $3,000  annually  for  disabled  fire- 
men in  addition. 

Acts  of  1899,  chapter  417,  amending  Acts  of  1893,  chapter  401. 

Revised  Laws,  chapter  32,  members  of  protective  department  entitled  to  ben- 
efits of  Firemen's  Relief  Fund  of  Massachusetts. 

Acts  of  1904,  chapter  233,  pensions  for  protective  department. 

Acts  of  1909,  chapter  308,  incorporation  of  the  Boston  Firemen's  Relief 
Fund. 

Acts  of  1911,  chapter  304,  amending  chapter  308,  Acts  of  1909. 

Acts  of  1912,  chapter  574,  pensions  to  former  call  substitutes. 

Acts  of  1913,  chapter  168,  relating  to  Firemen's  Relief  Fund. 

Acts  of  1913,  chapter  770,  including  firemen  of  Hyde  Park. 

Acts  of  1913,  chapter  800,  retirement  at  age  of  fifty-five. 

The  pension  system  for  firemen  in  Boston  is  noncontributory.  All 
pensions  and  annuities  are  paid  by  the  city. 

The  fire  commissioner  of  the  city  of  Boston,  with  the  approval 
of  the  mayor,  shall  retire  from  active  service  and  place  upon  the 
pension  rolls  any  member  who  is  — 

(a)  Fifty-five  years  of  age  and  has  performed  service  in  the  de- 
partment not  less  than  twenty-five  years  upon  his  petition  for  retire- 
ment (1913)  ;  and  may  retire  any  member  who  is  — 

(6)  Disabled  from  injuries  received  in  the  actual  performance  of 
duty  (1892). 

(c)  A  member  of  the  department  who  has  served  fifteen  consecu- 
tive years  (1892). 

(d)  A  former  call  substitute,  regularly  rated  as  a  call  man,  who 
has  served  as  such  for  not  less  than  fifteen  consecutive  years,  and 
who  was  honorably  discharged  (1912). 

(e)  Certified  to  the  fire  commissioner  as  permanently  incapac- 
itated,   either    mentally   or    physically,    for   performing   his    duties 
(1892). 

Amount  of  Pension. 
The  pension  paid  in  class  — 

(a)  Is  one-half  the  annual  compensation  received  at  time  of  re- 
tirement (1913). 

(&)   Is,  in  case  of  total  disability,  two-thirds  of  the  annual  com- 


1914.]  HOUSE  — No.  2450.  137 

pensation  allowed  to  men  of  the  grade  in  which  such  member  served 
(1892). 

(c)  Is,  if  a  member  of  the  permanent  force,  an  amount  not  ex- 
ceeding one-half  the  compensation  of  the  grade  from  which  he  re- 
tired; if  a  member  of  the  call  force,  one-half  the  compensation  of 
the  grade  from  which  he  retired,  or  such  further  sum  as  the  com- 
missioner may  determine  (1892). 

(d)  Is  an  amount  not  exceeding  $125  per  year,  to  be  granted  by 
the  city  council  with  the  approval  of  the  mayor  and  fire  commissioner 
(1912). 

(e)  Is  the  same  as  in  (c)  if  he  has  served  fifteen  years;  if  he  has 
served  less  than  fifteen  years,  while  the  law  (Acts  of  1891,  chapter 
404,  and  Acts  of  1892,  chapter  347)  provides  that  he  may  be  placed 
on  the  pension  roll,  the  amount  of  pension  is  not  stated,  and  no  pro- 
vision is  made  for  pension  of  such  member. 

Death. 

If  a  fireman  dies  from  injuries  received  in  the  discharge  of  his 
duties,  an  annuity  not  exceeding  $300  may  be  paid,  upon  vote  of 
the  city  council  and  approval  by  the  mayor,  to  the  widow,  or  if 
no  widow,  to  the  children  so  long  as  they  are  under  sixteen  years 
of  age ;  but  the  fire  commissioner  may,  from  time  to  time,  order  such 
annuity  to  be  reduced  (1880). 

A  further  sum  of  $1,000  is  paid  by  the  Commonwealth  to  the 
widow  or  children  in  case  of  death  within  sixty  days  from  injuries 
received  in  discharge  of  duty  (Acts  of  1893,  chapter  401).  This 
also  includes  members  of  the  protective  department. 

Disability. 

The  city  is  authorized  by  Acts  of  1898,  chapter  246,  to  expend 
annually  a  sum  not  exceeding  $3,000,  in  addition  to  pensions,  for  the 
relief  of  firemen  disabled  in  the  service. 


Special  Laws. 

Each  year  the  Legislature  is  petitioned  and  enacts  special  laws 
authorizing  the  city  to  grant  pensions  and  annuities  in  cases  not 
covered  by  law.  In  1913  the  number  of  such  special  laws  relating  to 
firemen  in  Boston  was  three. 


138  COMMISSION  ON  PENSIONS.  [Apr. 

Other  Provisions. 

Members  in  receipt  of  a  pension  cannot  receive  pay  for  any  other 
service  for  the  city  except  as  jurors. 

The  fire  commissioner,  in  case  of  emergency,  can  call  upon  retired 
members  for  temporary  service,  during  which  they  receive  full  pay. 
The  provision  was  probably  inserted  in  the  law  to  evade  the  ques- 
tion of  constitutionality. 

Cost. 

The  city  of  Boston  is  now  carrying  202  pensioners  on  its  fire 
department  pension  roll. 

Beginning  with  the  fiscal  year  1905-06  the  fire  department  pen- 
sions paid  by  the  city  follow :  — 

1905-06, $69,383  20 

1906-07, 76,096  79 

1907-08, 88,479  16 

1908-09, 95,759  49 

1909-10, 97,987  10 

1910-11, 102,763  94 

1911-12, 108,601  84 

1912-13, 111,843  37 

There  are  three  relief  and  charitable  organizations  connected  with 
the  Boston  fire  department,  viz.,  the  Boston  Firemen's  Eelief  Fund, 
the  Charitable  Association  of  the  Boston  Fire  Department,  and  the 
Boston  Firemen's  Mutual  Relief  Association. 

Boston  Firemen's  Relief  Fund. 

The  Boston  Firemen's  Relief  Fund  was  authorized  and  created 
by  chapter  107  of  the  Acts  of  1880,  which  first  authorized  the  pen- 
sioning of  firemen  in  the  city  of  Boston.  The  mayor  of  Boston  and 
his  successor,  and  the  board  of  fire  commissioners  and  their  re- 
spective successors,  were  constituted  a  body  corporate  for  the  pur- 
pose of  holding  and  receiving  money  granted,  given  or  bequeathed 
for  the  members  of  the  department  and  their  families  requiring 
assistance.  By  chapter  22  of  the  Acts  of  1881  the'  members  of  the 
protective  department  were  made  eligible  to  share  in  the  benefits 
of  the  fund. 


1914: 


HOUSE  — No.  2450. 


139 


In  1909  chapter  308  was  enacted,  which,  made  the  fire  commis- 
sioner of  Boston  and  his  successor  and  twelve  members  of  the  de- 
partment the  body  corporate  to  control  the  fund,  and  in  1911 
chapter  134  prescribed  the  method  by  which  these  twelve  members 
were  to  be  elected.  Chapter  168  of  the  Acts  of  1913  further  pro- 
vided that  of  the  twelve  members  four  should  be  officers. 

The  receipts  of  the  fund  are  largely  secured  from  the  proceeds 
of  the  annual  ball  of  the  department,  which  in  1913  amounted  to 
over  $11,000,  and  from  the  interest  on  the  trust  funds,  amounting 
to  $233,000  on  Sept,  1,  1913.  During  the  last  fiscal  year  the  asso- 
ciation disbursed,  in  the  form  of  benefits  and  gratuities,  $20,020.34, 
and  in  the  twenty-seven  years  between  Jan.  1,  1887,  and  Sept.  1, 
1913,  has  paid  over  $350,000,  a  yearly  average  of  nearly  $13,000. 


RECEIPTS  AND  DISBURSEMENTS  FROM  SEPT.  1,  1912,  TO  AUG.  31,  1913. 

Receipts. 

Balance  from  previous  year, $2,779  75 

Amount  received  from  "ball  fund," 11,751  47 

Interest  on  bonds, 8,775  00 

Interest  on  deposits, 49  22 

Certificate  of  deposit  with  interest  at  3  per  cent,  for  six  months,  .  2,030  00 

Donations, 366  00 

City  of  Boston  bonds  matured, 7,000  00 


Disbursements. 


Benefits  and  gratuities, 
Less  checks  returned,     . 


$20,255  34 
235  00 


Salaries, 

Treasurer's  bond, 

Box,  International  Trust  Company  vaults, 

Free  beds,  Massachusetts  General  and  Carney  hospitals, 

Auditing  books, 

Printing,  stationery,  etc., 

Bonds  purchased, 


Balance,  cash  on  hand  Aug.  31,  1913, 

Total,      .... 


$32,751  44 


$20,020  34 

400  00 

65  90 

10  00 

400  00 

50  00 

205  00 

7,291  55 

$28,443  29 
4,308  15 

$32,751  44 


140  COMMISSION  ON  PENSIONS.  [Apr. 


Assets,  Sept.  1,  1913. 

City  of  Boston  bonds  at  3V2  per  cent.,       .        .      $144,000  00 
City  of  Boston  bonds  at  4  per  cent.,  .        .        .          81,000  00 

C.,  B.  &  Q.  R.R., 8,000  00 

-   $233,000  00 

The  Charitable  Association  of  the  Boston  Fire  Department. 

This  organization  was  incorporated  under  the  provisions  of  chapter 
44  of  the  Acts  of  1829,  for  the  purpose  of  affording  relief  to  such 
of  their  members  as  might  at  any  time  receive  injury  in  the  dis- 
charge of  their  duties  as  members  of  the  Boston  fire  department,  or 
to  their  families,  in  the  event  of  their  decease.  In  1838  the  original 
act  was  amended  by  chapter  131,  which  provided  that  every  member 
of  the  department  should  be  eligible  to  membership,  as  well  as  all 
members  of  the  veteran  association  who  had  been  members  of  the 
department  for  seven  successive  years.  It  also  provided  that  relief 
could  be  given  for  distress  other  than  for  injuries  incurred  in  line 
of  duty,  and  also  to  past  members  of  the  association.  As  a  result, 
many  cases  of  distress  are  relieved  which  could  not  be  by  either  of 
the  other  two  relief  associations  of  the  department.  In  1874  chapter 
343  admitted  members  of  the  Boston  protective  department  to  mem- 
bership. 

The  annual  dues  in  the  association  are  limited  to  $5,  and  at  the 
present  time  are  placed  at  $2,  with  a  life  membership  at  $10.  Most 
of  the  members  take  advantage  of  this  latter  provision,  which  re- 
sults in  an  annual  decrease  in  the  receipts  from  dues.  For  the  last 
financial  year  the  expenses  of  the  association  exceeded  the  receipts 
by  $550.26. 

Benefits  are  paid  from  three  funds,  —  the  general  fund,  the  special 
fund  and  the  Jordan  Marsh  Fund.  Weekly  benefits  are  paid  from 
the  general  fund  to  members  injured  in  line  of  duty  at  the  rate  of 
not  over  $5  weekly  for  six  months.  From  the  special  fund  of  $3,000 
assistance  may  be  given  to  any  member  of  the  association  or  his 
family,  or  to  any  past  member  who  has  belonged  to  the  department 
for  five  years.  The  object  of  the  Jordan  Marsh  Fund  was  to  assist 
past  members  who  were  not  eligible  to  relief  from  the  special  fund. 

During  the  year  ending  Dec.  31,  1914,  over  $6,000  was  paid  out 
in  the  way  of  assistance.  The  present  membership  is  now  over  800. 


1914.1  HOUSE  —  No.  2450.  141 


RECEIPTS  AND  DISBURSEMENTS  FOB  THE  YEAR  ENDING  DEC.  31,  1913. 

Income,  Jan.  1,  1913,  to  Dec.  31,  1913, $6,183  50 

Expenses :  — 

General  fund,     .  $3,626  76 

Special  fund, ..    2,365  00 

Jordan  Marsh  Fund, 742  00 

•         6,733  76 


Deficit, $550  26 

Cash  on  hand  Jan.  1,  1913, $14,727  14 

Cash  on  hand  Jan.  1,  1914, 14,176  88 


Decrease, $550  26 

Trust  funds,  Jan.  1,  1914  :— 

Massachusetts  Hospital  Life  Insurance  Company,       .        .        .  $61,850  00 

City  of  Boston  bonds, 51,000  00 


Total, $112,850  00 

The  Boston  Firemen's  Mutual  Relief  Association. 

This  association  was  incorporated  under  the  provisions  of  the  Acts 
of  1882  for  the  purpose  of  "  paying  to  the  widows  and  orphans  of 
deceased  members,  or  such  other  person  or  persons  as  they  may 
have  designated,  twice  as  many  dollars  as  there  are  members  of  the 
association."  Under  the  constitution  as  adopted  June  15,  1908, 
membership  is  compulsory  upon  all  members  of  the  Boston  fire 
department,  and  members  or  employees  of  the  fire  alarm  or  repair 
shops,  clerks  and  chief's  drivers  of  the  fire  department,  and  mem- 
bers of  the  protective  department  may  become  members.  Members 
upon  entering  pay  an  admission  fee  of  $3,  and  an  advance  assess- 
ment of  $2.  Upon  the  death  of  any  member  all  surviving  members 
pay  into  the  treasury  the  sum  of  $2  if  such  assessment  is  deemed 
necessary  by  the  board  of  directors.  At  the  present  time  $2,000  is 
paid  to  the  family  or  other  persons  designated  by  the  deceased,  any 
surplus  over  $2,000  remaining  from  the  assessment  going  to  the 
death  benefit  fund,  to  be  used  only  for  the  payment  of  death  benefits. 

The  total  membership  of  the  association  on  Jan.   1,   1914,  was 


142 


COMMISSION  ON  PENSIONS. 


1,332.  During  the  last  year  19  death  benefits  totalling  $38,000 
were  paid.  The  condition  and  affairs  of  the  association  as  of  Jan.  1, 
1914,  are  set  forth  below:  — 

STATEMENT  OF  MEMBERSHIP. 

Total  membership  Jan.  1,  1913, 

Admitted  during  the  year, 


Number  of  deaths  during  the  year, 
Total  of  forfeitures,      .        .        . 


20 
21 


Total  membership,  Jan.  1,  1914,  .... 

FINANCIAL  STATEMENT. 

Death  Benefit  Fund. 
Receipts :  — 

Balance  on  hand  Jan.  1,  1913, 

Received  during  the  year  on  assessments, 

Interest  on  deposits, 

Total, 

Payments :  — 
19  death  benefits  at  $2,000  each, 

Balance  on  hand  Jan.  1,  1914,      .... 

Surplus  in  Death  Benefit  Fund. 

Balance  on  hand  Jan.  1,  1913, 

Surplus  of  16  assessments  over  benefits  paid, 


Interest,          ...... 

.Total  surplus,         .... 
Death  benefits  paid  (4)  at  $2,000  each, 


Returned  from  death  benefit  paid  to  one  member, 
Total  surplus,  Jan.  1,  1914,  .... 


1914.]  HOUSE  — No.  2450.  143 

Expense  Fund. 

Receipts :  — 
Admission  fee  of  new  members  at  $3  each,  .....          $300  00 

Expenditures :  — 
Printing,  stationery,  etc., 93  20 


Balance, $206  80 

Trustees'  Eeport. 
Receipts :  — 

Cash  on  hand  Jan.  1,  1913, $544  72 

Surplus  from  expense  fund, 206  80 


$751  52 
Interest  on  deposits, 9  86 


Total, $761  38 

Payments :  — 
Salaries  for  year  1912,         ....  300  00 


Balance,  Jan.  1,  1914, $461  38 


7.     TEACHERS. 

A.     STATE  (EXCEPT  BOSTON). 

The  ]aws  relating  to  annuities  and  pensions  for  teachers  in  the 
State  (excluding  Boston)  are  found  in  the  following  statutes  :- 

Acts  of  1908,  chapter  498,  authorizing  cities  and  towns  to  establish  pension 

funds  for  teachers. 
Acts  of  1911,  chapter  532,  and  amendments,  relates   only  to  normal  school 

teachers,  who  are  included  among  State  employees. 
Acts  of  1913,  chapter  832,  retirement  system  for  teachers. 

The  system  is  a  contributory  one  and  was  established  by  Acts  of 
3913,  chapter  832,  to  take  effect  July  1,  1914. 


144  COMMISSION  ON  PENSIONS.  [Apr. 

1.     Organization  and  Membership. 

It  includes  all  teachers  of  public  schools  in  the  State  (excepting 
Boston)  who  — 

(a)  Commence  teaching  after  July  1,   1914. 

(b)  Are  teaching  before  June  30,  1914,  and  elect  to  become  mem- 
bers of  the  Retirement  Association. 

Teachers  who  elect  or  are  required  to  share  the  benefits  and 
responsibilities  of  the  act  constitute  the  Retirement  Association. 

2.     Administration. 

The  management  of  the  retirement  system  is  vested  in  a  Retire- 
ment Board  of  seven  members,  viz.,  the  Insurance  Commis- 
sioner, the  Bank  Commissioner,  the  Commissioner  of  Education, 
three  members  elected  by  the  Retirement  Association,  and  the 
seventh  member  elected  annually  by  the  other  six. 

Members  of  the  Retirement  Board  receive  no  compensation,  but 
necessary  expenses  and  loss  of  salary  due  to  service  on  the  Board 
are  paid  from  the  expense  fund,  and  claims  for  such  must  be  sub- 
ject to  the  approval  of  the  Governor  and  Council. 

The  Retirement  Board  shall  — 

(a)  Elect  a  secretary  and  such  other  clerical  assistants  as  may 
be  necessary,  the  salaries  of  whom  are  fixed  by  the  Board  with  the. 
approval  of  the  Governor  and  Council. 

(b)  Execute  the  provisions  of  the  act. 

(c)  Make  all  rules  and  regulations. 

(d)  Adopt  for  the  retirement  system  one  or  more  mortality  tables, 
and  determine  what  rate  of  interest  shall  be  established  in  connection 
with  the  tables. 

(e)  Make  necessary  reports. 

3.     Funds. 

The  funds  of  the  system  consist  of  an  expense  fund,  an  annuity 
fund  and  a  pension  fund. 

(a)  Expense  Fund.  —  A  fund  appropriated  by  the  Legislature 
each  year  to  defray  the  expense  of  administration. 

(b)  Annuity  Fund. — A  fund  created  by  assessments  paid  by 
members,  and  the  interest  derived  from  investment. 


1914.]  HOUSE  — No.  2450.  145 

(c)  Pension  Fund.  —  A  fund  consisting  of  such  amounts  as  shall 
be  appropriated  by  the  State  from  time  to  time,  on  estimates  sub- 
mitted by  the  Retirement  Board,  to  operate  pensions. 


4.     Custody  and  Investment  of  Funds. 

(a)  The  treasurer  of  each  town  or  city,  on  receipt  of  a  voucher 
from  the  school  committee  for  deduction  from  teachers'  salaries, 
transmits  the  amount  specified  in  voucher  to  the  secretary  of  the 
Retirement  Board. 

(&)  The  secretary  of  the  Retirement  Board  pays  to  the  Treasurer 
of  the  Commonwealth  all  amounts  collected  by  him. 

(c)  All  funds  held  subject  to  the  order  of  the  Retirement  Board 
are  kept  in  the  custody  of  the  Treasurer  of  the  Commonwealth,  who 
invests  all  sums  not  required  for  current  disbursements  in  accord- 
ance with  the  requirements  of  the  laws  relating  to  sinking  funds. 

(d)  All  payments  of  pensions  and  annuities  are  made  by  the 
Treasurer  of  the  Commonwealth,  who  files  an  annual  statement  of 
the  financial  condition  with  the  Insurance  Commissioner  and  the 
Retirement  Board. 

5.     Contributions  of  Members. 

To  provide  for  the  annuities  required  in  the  act  each  member  of 
the  association  shall,  in  a  manner  prescribed  by  the  Retirement 
Board,  be  required  to  contribute  a  stated  percentage  of  his  salary, 
the  rate  of  contribution  to  be  determined  from  time  to  time  by  the 
Retirement  Board,  and  to  be  uniform  for  all  members,  but  at  no 
time  to  be  less  than  3  nor  more  than  7  per  cent.,  with  the  fur- 
ther proviso,  however,  that  no  annual  contribution  shall  be  less  than 
$35  nor  more  than  $100. 

Any  member,  after  paying  assessments  for  thirty  years,  shall 
be  exempt  from  further  assessments,  but  may  elect  to  continue  pay- 
ments until  the  total  of  payments  with  interest  has  amounted  to  a 
sum  sufficient  to  purchase  an  annuity  of  $500  at  sixty  years  of  age. 


146  COMMISSION  ON  PENSIONS.  [Apr. 

6.  Retirement  of  Teachers. 

(a)  Any  member  of  the  Retirement  Association  may  be  retired 
by  the  school  committee,  with  the  approval  of  the  Retirement  Board, 
on  attaining  the  age  of  sixty  years,  or  at  any  time  thereafter  if 
incapacitated  for  rendering  satisfactory  service. 

(b)  Any  member  on  attaining  the  age  of  seventy  years  shall  be 
retired. 

7.  Annuities  and  Pensions. 

The  retirement  allowance  is  to  be  paid  annually  during  his  life- 
time to  each  member  of  the  association  after  retirement,  and  con- 
sists of  two  parts,  the  annuity  and  the  pension. 

(a)  The  annuity  is  such  amount  as  the  sum  of  his  assessments 
with  regular  interest  entitles  him,   or  an  annuity  of  less  amount, 
with  the  provision  that  if  he  dies  before  receiving  payments  equal 
to  the  sum  of  his  assessments  with  regular  interest,  the  difference 
shall  be  paid  to  his  legal  representatives. 

(b)  The  pension  is  an  amount  equal  to  the  annuity. 

(c)  If  the  teacher  has  served  fifteen  years  or  more  he  receives 
such  an  amount  in  addition  that  the  sum  of  this  additional  pension 
and  his  pension  shall  equal  the  pension  to  which  he  would  have 
been  entitled  if  he  had  paid  thirty  assessments  on  his  average  yearly 
wage  for  the  fifteen  years  preceding  retirement,   provided  that  if 
the  total  sum  of  such  additional  pension,  together  with  the  annuity 
and  pension,  is  less  than  $300  in  any  one  year,  an  additional  sum  to 
make  an  annual  allowance  of  $300  shall  be  paid  from  the  pension 
fund. 

8.     Refund. 

Any  member  of  the  association  resigning  from  the  service  of  the 
public  schools  before  becoming  eligible  for  the  retirement  allowance 
is  entitled  to  a  refund  of  his  contributions,  together  with  regular 
interest  thereon. 

9.     Death. 

If  a  member  of  the  Retirement  Association  dies  before  becoming 
eligible  for  a  retirement  allowance,  the  full  amount  of  his  con- 
tributions (with  interest  thereon)  is  paid  to  his  legal  representatives. 


1914.]  HOUSE  —  No.  2450.  147 


10.     Reinstatement. 

A  member  who  has  withdrawn  from  service  in  the  public  schools, 
upon  re-employment  in  the  public  schools  may  be  reinstated  in  the 
association  in  a  manner  determined  by  the  Board  of  Retirement. 

11.     Membership  in  Other  Retirement  Associations. 
Provision  is  made  that  teachers  who  receive  a  pension  under  this 
act  shall  not  participate  in  the  benefits  of  other  retirement  systems 
supported  in  whole  or  in  part  by  funds  raised  by  taxation. 

12.     Reimbursement  of  Cities  and  Towns. 

Cities  and  towns  which  accepted  the  former  teachers'  pension  act 
(chapter  498,  Acts  of  1908),  which  provided  for  retirement  without 
contribution,  and  the  city  of  Boston  which  has  retired  teachers  under 
special  acts  of  its  own,  are  reimbursed  for  the  amount  of  pensions 
paid  to  such  teachers,  with  the  proviso  that  the  amount  shall  not  be 
in  excess  of  the  amount  to  which  the  teacher  would  have  been 
entitled  as  a  pension  had  he  become  a  member  of  the  Retirement 
Association. 

13.     Expense  of  Administration. 

The  expense  necessary  to  the  administration  of  this  system  (ex- 
clusive of  the  payments  of  retirement  allowances)  is  met  from  appro- 
priations for  the  purpose  made  annually  by  the  Legislature  on  the 
basis  of  estimates  furnished  by  the  Retirement  Board. 

Provision  is  made  for  referendum  and  repeal  of  the  former  pen- 
sion act  for  teachers  in  cities  and  towns  (Acts  of  1908,  chapter  498) 
by  all  cities  and  towns  that  accepted  said  act. 

14.     Jurisdiction  of  Court. 

The  Superior  Court  upon  petition  of  any  interested  party,  has 
jurisdiction  in  equity  to  compel  the  observance  and  restrain  the 
violation  of  this  act  and  of  the  rules  and  regulations  of  the  Retire- 
ment Board. 


148  COMMISSION  ON  PENSIONS.  [Apr. 

B.     FORMER  SYSTEM  OF  PENSIONS  FOE  TEACHERS  IN  THE  STATE. 
Acts  of  1908,  chapter  498. 

This  act,  establishing  pensions  for  teachers  in  cities  and  towns, 
was  effective  in  only  such  cities  and  towns  where,  upon  petition  of 
not  less  than  5  per  cent,  of  the  voters,  it  had  been  submitted  at  the 
following  city  or  town  election  and  accepted  at  such  election. 

1.  Retirement.  —  Under   this   act  the   school   committee   of   any 
city  or  town  could  retire  any  teacher  who  was  sixty  years  of  age  or 
over,  or  who  was  incapacitated  for  useful  service  in  the  judgment 
of  the  committee,  if  he  had  served  twenty-five  years. 

2.  Pensions.  —  The  pension  was  determined  by  the  school  com- 
mittee, but  not  to  exceed  one-half  of  the  compensation  received  at 
time  of  retirement,  and  in  no  case  to  exceed  $500. 

3.  Funds.  —  The  funds  were  derived  from  taxation  in  the  usual 
course,  and  payments  of  retirement  allowances  were  made  by  the  city 
or  town  treasurer.     Xo  contributions  were  required  from  teachers. 

Teachers  in  State  Normal  Schools. 

Teachers  in  the  various  normal  schools  of  the  State  come  under 
the  provisions  of  the  Acts  of  191.1,  chapter  532,  and  amendments 
thereof  relating  to  State  employees.  (See  System  for  State  em- 
ployees. ) 

History  of  Retirement  System  for  Teachers  in  the  State 
{excluding  Boston). 

The  first  law  enacted  relative  to  pensions  for  teachers  outside 
of  Boston  was  chapter  498  of  the  Acts  of  1908.  This  was  a  wholly 
noncontributory  system,  and  enabled  towns  and  cities  to  establish 
pension  funds  for  teachers  when  the  act  was  accepted  at  the  annual 
town  or  city  election  after  petition  of  5  per  cent,  of  the  voters. 

The  act  was  accepted  in  the  following  cities  and  towns  throughout 
the  State:  Brookline,  Cambridge,  Dalton,  Lynn,  Marion,  Milton, 
Pittsfield,  Swampscott,  Wellesley  and  Winchester. 

In  1911  a  resolve  was  passed  (chapter  47)  which  read:  - 

Eesolved,  That  the  board  of  education  is  hereby  requested  to  investigate  the 
advisability  of  providing  a  retirement  allowance  for  teachers  who  have  taught 
in  the  public  schools  of  the  commonwealth  for  thirty-five  years,  and  the  amount 


1914.]  HOUSE —  No.  2450.  149 

and  times  of  payment  of  such  allowances.  The  board  is  further  requested  to 
report  the  result  of  its  investigation  to  the  general  court,  with  such  recom- 
mendations as  it  may  deem  expedient,  either  in  its  annual  report  or  separately, 
not  later  than  the  fifteenth  day  of  January,  nineteen  hundred  and  thirteen. 

In  accordance  with  such  resolve  the  Board  of  Education  made  a 
report  (House  Document  No.  1926),  and  the  bill  recommended  in 
their  report  is  substantially  chapter  832  of  the  Acts  of  1913. 

After  the  passage  of  this  act  the  Retirement  Board  was  organized 
in  accordance  with  its  provisions,  and  elected  a  secretary.  On  Oct. 
9,  1913,  the  teachers'  Retirement  Board  met  and  adopted  5  per  cent, 
as  the  rate  of  assessment.  The  Board  also  adopted  the  American 
Experience  Table  of  Mortality,  with  3%  per  cent,  interest. 

The  secretary  of  the  Board  is  engaged  in  making  up  a  list  of 
teachers  who  will  be  at  least  sixty  years  of  age  in  1914,  and  trying 
to  ascertain  how  many  of  these  are  likely  to  retire  then,  in  order 
that  the  Board  may  submit  to  the  Legislature  a  correct  estimate  of 
the  amount  that  it  will  be  necessary  to  appropriate  in  order  to  pro- 
vide for  the  pensions  of  teachers  who  retire  in  that  year. 

C.     BOSTOX. 

The  laws  relating  to  pensions  for  teachers  in  the  city  of  Boston 
are  found  in  the  following  statutes :  — 

Acts  of  1900,  chapter  237,  Public  School  Teachers'  Retirement  Fund  in  the 

city  of  Boston. 

Acts  of  1902,  chapter  233,  amendment  as  to  investment  of  funds. 
Acts  of  1908,  chapter  589,  pension  act  for  teachers  in  public  day  schools  of 

city  of  Boston. 
Acts  of  1909,  chapter  537,  relating  to  pensions  to  annuitants  of  Retirement 

Fund.    Not  accepted  by  city. 
Acts  of  1910,  chapter  617,  increasing  the  amount  of  pension  and  extending 

pensions  to  part  of  the  annuitants  of  the  Retirement  Fund. 
Acts  of  1912,  chapter  569,  pensions  to  part  of  the  annuitants  of  Retirement 

Fund,  and  including  Hyde  Park  in  system. 

The  system  is  a  combination  of  the  Retirement  Fund  Association 
(Acts  of  1900,  chapter  237),  which  is  wholly  contributory,  and  a 
straight  service  pension  (Acts  of  1908,  chapter  589),  which  is  wholly 
noncontributory.  It  results  in  the  teacher  who  is  retired  under 
the  provisions  of  both  acts  receiving  from  the  Retirement  Fund  such 
annuity  as  the  fund  will  allow  and  the  board  of  trustees  determines, 


150  COMMISSION  ON  PENSIONS.  [Apr. 

which  at  the  present  time  is  $180  per  year,  and  in  addition  thereto 
under  the  pension  act  she  receives  one-third  of  her  annual  salary  at 
the  time  of  retirement  if  she  has  taught  thirty  years  or  more,  and  if 
less  than  thirty  years  such  proportion  of  one-third  salary  as  the  num- 
ber of  years  she  has  taught  bears  to  thirty  years.  Her  total  con- 
tribution is  under  the  Retirement  Fund,  by  which  $18  is  deducted 
from  her  salary  annually,  and  she  must  at  the  time  of  retirement 
have  paid  into  said  fund  $540.  *  If  the  annual  deductions  from  her 
salary  have  not  amounted  to  such  sum,  she  must  pay  the  balance 
before  she  can  become  an  annuitant  of  the  Retirement  Fund.  The 
two  systems  make  a  complicated  whole,  and  must  be  considered 
separately. 

1.     Teachers'  Retirement  Fund  (Acts  of  1900,  Chapter  237). 

The  act  was  compulsory  on  all  teachers  entering  the  service  after 
its  passage,  and  the  teachers  already  in  the  service  could  elect  to  come 
within  its  provisions.  It  includes  in  the  term  "  teacher,"  supervisors, 
superintendents  of  instruction,  principals  and  regular  instructors  in 
the  public  day  schools. 

Funds.  —  (a)  Permanent  fund,  made  up  of  gifts  and  legacies 
specifically  given  to  the  permanent  fund  and  a  sum  set  apart  by  the 
board  of  trustees. 

(&)  General  fund,  made  up  of  (1)  gifts  and  legacies  not  specifi- 
cally given  to  the  permanent  fund;  (2)  amounts  retained  from  sal- 
aries ($18  annually  from  each  teacher's  salary,  and  she  must 
contribute  $540  before  receiving  an  annuity)  ;  (3)  interest  from 
permanent  fund. 

Management.  —  Four  members  of  the  school  committee,  superin- 
tendent of  schools  and  six  teachers  (elected  by  the  teachers)  consti- 
tute the  board  of  trustees,  who  serve  without  compensation  and  control 
the  Retirement  Fund  and  its  investment.  The  city  treasurer  is  the 
custodian  of  the  fund  and  makes  payments  therefrom  as  ordered  by 
the  board,  and  receives  as  compensation  for  services  and  clerk  hire 
such  sum  as  the  Board  may  determine  not  exceeding  $1,500  a  year, 
the  same  to  be  appropriated  by  the  school  committee  for  that  purpose. 

Retirement.  —  To  become  entitled  to  an  annuity  a  teacher  must 
have  taught  — 

(a)  Thirty  years,  ten  years  of  which  must  have  been  in  Boston. 

(b)  Not  less  than  two  years  if  incapacitated  and  discharged  from 


1914.]  HOUSE  — No.  2450.  151 

service,  provided  certificate  of  incapacity  is  furnished  by  attending 
physician  and  physician  employed  by  the  Board,  and  provided  an- 
nuity ceases  when  incapacity  ceases. 

Annuities.  —  Annuities  paid  are  not  fixed  by  the  statute,  but  are 
such  as  the  fund  will  allow  and  the  board  of  trustees  determines,  but 
must  be  uniform  in  amount.  The  amount  determined  by  the  trustees 
has  been  $180  per  annum  since  1904,  payable  in  monthly  instalments 
of  $15. 

Withdrawals. — Any .  teacher  who  has  contributed  two  years  or 
more  and  retires  from  the  service  shall  upon  application  receive  one- 
half  the  total  amount  paid  by  her  into  the  fund. 

Other  Provisions.  —  If  a  teacher  seeking  to  retire  is  unable  to  pay 
the  full  amount  of  assessments,  viz.,  $540,  the  board  of  trustees  has 
discretion  to  make  her  such  monthly  payments  as  an  annuity  as  in 
its  opinion  the  needs  of  the  teacher  require. 

2.  Boston  Teachers'  Pensions  (Acts  of  1908,  Chapter  589  and 

amendments) . 

This  is  a  noncontributory  system,  which  includes  superintendent, 
supervisors,  directors,  principals  and  all  other  persons  permanently 
employed  in  giving  or  supervising  instruction  in  the  city  of  Boston, 
including  the  principal  and  teachers  in  the  parental  school. 

Funds.  -  -  The  school  committee  annually  appropriates  for  pen- 
sions, provided  by  the  act,  5  cents  upon  each  $1,000  of  the  valuation 
of  the  city,  and  pays  to  the  treasurer  of  the  permanent  pension  fund 
such  portion  as  will  not*  be  needed  for  pensions  during  the  current 
year.  The  total  amount  paid  in  one  year  is  not  to  exceed  the  proceeds 
of  5  cents  per  $1,000  valuation,  and  in  case  the  amount  available 
is  not  sufficient,  together  with  accrued  interest  of  permanent  fund, 
to  pay  the  pensions  the  amount  is  applied  pro  rata,  provided  that  in 
no  case  nor  in  any  year  shall  the  pension  of  any  teacher  retired  after 
thirty  years'  service  be  less  than  $312. 

Management.  —  The  care  and  investment  of  the  fund  is  vested  in 
a  board  of  three  trustees,  one  of  whom  is  the  chairman  of  the  board 
of  commissioners  of  sinking  funds,  another  chosen  by  the  school 
committee,  and  the  third  chosen  by  the  board  of  trustees  of  the  Teach- 
ers' Eetirement  Fund.  The  city  treasurer  is  the  custodian  of  moneys 
and  securities  of  the  fund,  and  the  superintendent  of  schools  is  the 
secretary  of  the  board  of  trustees. 


152  COMMISSION  ON  PENSIONS.  [Apr. 

Retirement.  —  The  school  committee  may  retire  with  a  pension 
any  teacher  who  is  — 

(a)   Sixty-five  years  of  age. 

(&)   Incapacitated  for  further  efficient  service  in  its  opinion. 

Pension.  —  The  pension  paid  is  — 

(a)  One-third  of  the  salary  at  time  of  retirement  if  the  teacher 
has  taught  for  thirty  years  or  more,  ten  years  of  which  must  have 
been  in  Boston;  provided  that  m  no  case  shall  the  pension  be  less 
than  $312  nor  more  than  $600. 

(&)  If  the  teacher  has  taught  less  than  thirty  years,  ten  of  which 
shall  have  been  in  Boston,  then  such  pension  in  proportion  to  the 
pension  paid  for  thirty  years  as  the  term  of  service  is  in  proportion 
to  thirty  years. 

The  pension  of  any  teacher  retired  because  of  incapacity  shall 
terminate  when  in  the  opinion  of  the  school  committee  the  incapacity 
shall  have  ceased,  and  the  teacher  tendered  reappointment. 

Pensions  to  Teachers  previously  retired.  —  The  amended  act  of 
1910,  chapter  617,  also  provided  that  the  school  committee  should 
grant  pensions  at  a  rate  not  less  than  $180  per  annum  to  not  less 
than  sixty  persons  who  were  annuitants  of  the  Boston  Teachers'  Re- 
tirement Fund  Association  when  the  pension  act  was  passed  in  1908, 
and  who  had  taught  thirty  years,  twenty  of  which  were  in  service  of 
Boston ;  and  during  each  year  thereafter  should  add  additional  annui- 
tants to  the  pension  roll,  so  that  the  number  of  such  annuitants  should 
be  not  less  than  sixty.  A  provision  is  inserted  that  such  annuitants 
shall  be  subject  to  the  call  of  the  school  committee  to  teach  in  case  of 
emergency.  From  eligible  annuitants  of  the  Retirement  Fund  the 
school  committee  made  a  pension  roll  of  sixty  annuitants,  selecting 
those  most  advanced  in  point  of  age. 

History  of  Pension  System  for  Boston  Teachers. 
Retirement  Fund.  —  After  the  passage  of  chapter  237,  Acts  of 
1900,  establishing  the  Public  School  Teachers'  Retirement  Fund,  an 
organization  was  formed  to  carry  into  effect  the  provisions  of  the  act, 
called  the  Boston  Teachers'  Retirement  Fund  Association,  which 
adopted  a  constitution  and  by-laws  for  its  government.  While  non- 
contributory  pensions  for  police,  firemen,  and  judges  had  been  enacted 
by  the  Legislature,  this  was  the  first  pension  system  established  on 
a  purely  contributory  basis,  the  only  payment  by  the  city  being  the 


1914.]  HOUSE  — No.  2450.  153 

additional  compensation  to  the  city  treasurer  as  custodian  of  the 
fund,  not  exceeding  $1,500.  The  deduction  of  $18  annually  is  made 
from  each  teacher's  salary  without  regard  to  the  amount  of  her 
salary.  The  only  gift  or  legacy  to  the  fund  has  been  one  of  $900, 
which  constitutes  the  permanent  fund. 

Since  its  organization  in  1900  to  Sept,  30,  1913,  the  total  number 
of  members  has  been :  — 

Number  electing  to  join, 1,256 

Number  accepting  appointment  since  act  was  passed,    .        .         2,424 

3,680 

Number  who  have  died,  retired  or  become  annuitants,  ....    1,071 


Number  contributing  Sept.  30,  1913, 2,609 

Nearly  three  hundred  of  the  older  teachers  -never  joined  the  as- 
sociation. 

The  amount  paid  annuitants  is  by  the  determination  of  the  board 
of  trustees  as  the  fund  allows,  but  must  be  uniform.  It  is  at  the 
present  time  $180,  but  an  examination  of  its  financial  condition 
presages  the  reduction  in  the  annuity  in  the  not  far  future. 


154 


COMMISSION  ON  PENSIONS. 


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1914.]  HOUSE  —  No.  2450.  155 

Pensions.  —  There  was  no  straight  service  pension  for  teachers 
until  the  law  of  1908,  chapter  589.  It  was  provided  in  section  1 
that  no  pension  paid  to  a  teacher  should  exceed  $180  per  year.  The 
purpose  of  the  act  was  that  the  city  should  add  an  equal  amount  to 
the  annuity  derived  from  the  teachers'  contributions  to  the  Retire- 
ment  Fund.  Eetirement  was  for  teachers  (a)  sixty-five  years  of  age, 
after  service  of  thirty  years,  twenty  of  which  have  been  in  Boston; 
(6)  teachers  who  in  the  opinion  of  the  committee  are  incapacitated 
for  efficient  service.  In  (a)  the  pension  was  fixed  at  $180,  and  in 
(&)  such  proportion  of  $180  as  the  number  of  years  of  service  was 
to  thirty  years. 

In  1910,  chapter  617,  the  1908  act  was  materially  changed.  The 
pension  was  increased  from  a  maximum  of  $180  to  one-third  of  salary 
at  time  of  retirement,  and  in  case  of  retirement  on  account  of  age 
(sixty-five  after  thirty  years'  service),  not  less  than  $312  nor  more 
than  $600. 

This  act,  in  connection  with  the  Retirement  Fund  act,  practically 
retired  the  teacher  on  half  salary.  The  average  yearly  salary  of  2,041 
women  teachers  in  the  elementary  schools  is  $964.86.  The  annuity 
of  $180  from  the  Retirement  Fund  in  addition  to  one-third  salary 
make  a  total  of  pension  and  annuity  of  $501.62,  slightly  more  than 
one-half  salary.  The  sole  contribution  of  the  teacher  to  this  pension 
and  annuity  is  $18  annually. 

Retroactive  Pensions  to  Annuitants  of  the  Retirement  Fund.  — 
After  the  passage  of  the  1908  pension  act  the  teachers  who  had  been 
previously  retired  sought  to  come  within  its  provisions.  In  1909, 
chapter  537,  an  act  was  passed  to  take  effect  upon  acceptance  by  the 
school  committee,  whereby  all  annuitants  of  the  Retirement  Fund 
and  all  teachers  previously  retired,  who  had  taught  for  a  period  of 
thirty  years,  twenty  of  which  were  in  Boston,  were  made  eligible  for 
pensions.  Forty  of  those  eligible  were  to  be  added  to  the  pension 
roll  the  first  year  and  forty  more  each  succeeding  year,  until  all  the 
persons  eligible  on  account  of  past  service  were  on  the  pension  roll. 

A  proviso  that  such  retired  teachers  should  be  subject  to  the  call 
of  the  school  committee  for  service  in  case  of  emergency  was  inserted 
in  view  of  the  doubtful  constitutionality  of  such  legislation.  The 
act  never  became  effective,  by  reason  of  its  nonacceptance  by  the 
school  committee. 

However,  in  chapter  617  of  the  Acts  of  1910  (the  act  increasing 


156 


COMMISSION  ON  PENSIONS. 


[Apr. 


the  pension),  a  section  (4)  was  inserted  compelling  the  school  com- 
mittee in  that  year  to  grant  pensions  to  not  less  than  sixty  persons 
who  were  annuitants  of  the  Ketirement  Fund  when  the  1908  act  was 
passed,  at  a  rate  not  less  than  $180  per  annum;  and  during  each  year 
thereafter  such  additional  annuitants  shall  be  pensioned  as  are  neces- 
sary to  keep  on  the  pension  roll  the  names  of  not  less  than  sixty  such 
annuitants.  The  school  committee  complied  with  the  act  and  placed 
sixty  annuitants  on  the  pension  roll,  selecting  those  of  most  advanced 
age.  The  former  emergency  clause  was  inserted.  Application  of  the 
annuitant  was  necessary,  and  in  1912,  chapter  569,  the  time  of  appli- 
cation was  extended  to  Aug.  1,  1912,  on  account  of  some  eligible  ap- 
plicants not  being  familiar  with  the  prior  law.  In  1912,  upon  the 
annexation  of  Hyde  Park,  the  teachers  of  that  town  were  included 
within  the  provisions  of  the  teachers'  pensions  of  Boston.  (Acts  of 
1912,  chapter  569.) 

FINANCIAL  REPORT. 
Total  amount  appropriated  by  the  school  committee  for  payment 

of  pensions  during  the  year, $72,012  76 

Transferred  to  appropriation  from  accrued  interest  of  the  per- 
manent fund, 880  43 


Total  payments  to  pensioners, 
Cash  on  hand  Feb.  1,  1913,  . 
Receipts,  1913-14, 


Payments,       .... 

Cash  on  hand  Jan.  31,  1914, 

Investments,  Feb.  1,  1913 :  - 
Principal,  .... 
Income,  .... 


$176,750  00 
11,912  50 


Investments,  Jan.  31,  1914,  . 


Income :  — 

Balance,  Feb.  1,  1913,  . 
Interest  on  bank  deposits, 
Interest  on  investments, 


Cash. 


$182  09 
7,795  00 


$72,893  19 
5,131  60 
7,977  09 

$13,108  69 
880  43 

$12,228  26 


$188,662  50 
$188,662  50 


$4,651  56 


7,977  09 
$12,628  65 


1914.]  HOUSE  — No.  2450.  157 

Transfer  to  principal :  — 

Income  received  prior  to  June  11,  1910,  .        .        .    $316  82 
Paid  to  city  of  Boston  for  payment  of  pensions,      .      880  43 

1,197  25 


Balance,  Jan.  31,  1914, .   .      $11,431  40 

Principal :  — 
Balance,  Feb.  1,  1913,  .  .  $480  04 

Transfer  from  income  as  above, 316  82 

796  86 


$12,228  26 
Investments  and  Cash. 

Principal  investments, $176,750  00 

Principal  cash, 796  86 

$177,546  86 

Income  investments, $11,912  50 

Income  cash, 11,431  40 

Available  for  payment  of  pensions,      .        .  23,343  90 


Total  principal  and  income,  Jan.  31,  1914,  .  .    $200,890  76 

Total  number  of  pensioners  reported  at  close  of  previous  year,    .  214 

Number  added  during  year :  — 

Annuitants  at  $180, 7 

From  school  service, 34 

41 


255 
Deaths  during  year :  — 

Annuitants  at  $180, 7 

Others, *8 

15 

Reappointed  to  school  service, 1 

16 


239 

Total  number  placed  on  pension  roll  to  date,      ....  274 

Total  deaths  to  date, 34 

Total  reappointments  to  service  to  date,      ....       1 

35 

239 

1  Including  one  in  previous  year,  notice  of  which  was  received  subsequent  to  date  of  annual  report. 


158  COMMISSION  ON  PENSIONS.  [Apr. 


8.     LABORERS. 

A.     CITIES  AND  TOWNS   (EXCEPT  BOSTON). 

The  only  existing  laws  relative  to  pensioning  laborers  in  the  cities 
and  towns  of  the  Commonwealth,  excluding  Boston,  are  found  in 
the  following  statutes :  — 

Acts  of  1912,  chapter  503,  establishment  of  system. 

Acts  of  1913,  chapter  671,  including  laborers  in  fire  districts  and  water  dis- 
tricts. 

The  system  is  noncontributory  and  refers  to  any  laborer  in  the 
employ  of  a  city  or  town,  without  defining  the  meaning  of  the  word 
"  laborer  "  as  was  done  in  the  Boston  act. 

Establishment. 

The  act  required  its  submission  to  the  voters  of  each  city  and  town 
in  the  Commonwealth,  and  provided  that  it  should  become  effective 
in  any  city  or  town  upon  its  acceptance  by  a  majority  of  the  voters 
of  such  city  or  town  voting  thereon. 

The  act  further  provided  that  not  less  than  two  weeks  nor  more 
than  four  weeks  before  such  election  the  city  clerk  of  each  city  should 
mail  to  each  voter  a  copy  of  the  act  with  notice  that  it  was  to  be 
voted  upon  at  the  coming  election. 

Beneficiaries. 
Any  laborer  in  the  employ  of  any  city  or  town  accepting  the  act. 

Retirement. 

Any  laborer  who  has  reached  the  age  of  — 

(a)  Sixty  years,  after  twenty-five  years  of  service,  and  who  has 
become  physically  or  mentally  incapacitated  for  labor,  or  after  fifteen 
years  of  service,  if  mentally  or  physically  incapacitated  by  reason  of 
injury  received  in  the  performance  of  duty,  may  be  retired  at  his 
request,  with  the  approval  of  the  mayor  in  cities  and  the  board  of 
selectmen  in  towns. 

(6)  Sixty-five  years,  after  twenty-five  years  of  service,  shall  be 
retired. 


1914; 


HOUSE  — No.  2450. 


159 


Pension. 

In  all  cases  the  annual  pension  is  equal  to  one-half  of  the  average 
annual  compensation  paid  to  him  as  a  laborer  during  the  two  years 
next  prior  to  his  retirement. 

Statistics. 

The  act  was  submitted  to  the  voters  at  the  State  election  of  1912, 
and  was  accepted  by  22  cities  and  232  towns,  and  rejected  by  10  cities 
and  96  towns.  For  the  complete  vote  of  cities  and  towns  in  the  Com- 
monwealth upon  its  acceptance  and  rejection  see  table  below. 

B.     FIRE  AND  WATER  DISTRICTS. 

Chapter  503  of  the  Acts  of  1912  seemed  to  exclude  from  its  pro- 
visions laborers  in  the  employ  of  fire  districts  and  water  districts, 
and  chapter  671  of  the  Acts  of  1913  was  enacted  to  include  such 
within  its  provisions.  The  latter  act  provided  - 

(&)  That  hereafter  the  former  act  shall  be  held  to  include  laborers 
in  the  employ  of  fire  districts  and  water  districts. 

(&)  That  in  any  city  or  town  having  a  fire  or  water  district  therein, 
which  accepted  the  provisions  of  chapter  503  of  the  Acts  of  1912, 
such  act  shall  again  be  submitted  to  the  voters  of  such  city  or  town 
for  their  acceptance,  with  the  understanding  that  the  act  applies  to 
laborers  in  the  employ  of  fire  districts  and  water  districts. 

(c)  That  the  city  clerk  of  any  city  concerned  should  mail  to  each 
voter  a  copy  of  the  vote  with  notice  of  its  submission  on  the  ballot. 

List  of  Cities  and  Towns  that  have  accepted  Chapter  503,  Acts  of  1912. 


CITY  OR  TOWN. 

Yes. 

No. 

CITY  OR  TOWN. 

Yes. 

No. 

411 

162 

Athol  

677 

275 

Adams,    .... 

524 

413 

Attlehorotigh, 

1,270 

374 

Agawam, 

206 

104 

Avon,      .... 

147 

77 

Alford  

14 

11 

Ayer,        .... 

202 

111 

Amherst, 

340 

2S1 

Barnstable,      . 

318 

207 

Andover, 

387 

309 

Becket  

38 

26 

Arlington, 

934 

484 

Belchertown,  . 

96 

70 

Ashburnham, 

110 

48 

Bellingham,     . 

83 

46 

Ashland, 

162 

101 

Belmont, 

433 

232 

160 


COMMISSION  ON  PENSIONS. 


List  of  Cities  and  Towns  that  have  accepted  Chapter  508,  Acts  of  1912  —  Continued. 


CITT  OR  TOWN. 

Yes. 

No. 

CITY  OB  TOWN. 

Yes. 

No. 

Beverly,  .... 

1,486 

992 

Easton  

332 

127 

Blackstone,      . 

330 

101 

Edgartown, 

67 

37 

Bourne,   .... 

143 

69 

Enfield  

51 

33 

Boxborough,    . 

23 

20- 

Erving  

67 

28 

Braintree, 

612 

274 

Everett,  .... 

2,558 

895 

Brewster, 

48 

15 

Fal  mouth, 

193 

109 

Bridgewater,    . 

341 

151 

Fitchburg, 

2,223 

1,615 

Brimfield, 

35 

33 

Florida, 

6 

5 

Brockton, 

4,054 

2,067 

Foxborough,    . 

216 

114 

Brookfield, 

102 

63 

Framingham, 

1,074 

447 

Brookline, 

2,149 

1,326 

Franklin, 

328 

163 

Buckland, 

63 

58 

Gardner, 

648 

298 

Burlington, 

28 

23 

Gay  Head,      . 

5 

1 

Cambridge, 

7,452 

2,381 

Georgetown,    . 

124 

94 

Canton,  .... 

349 

170 

Gill  

62 

40 

Cbarlton, 

81 

63 

Graf  ton,  .... 

153 

127 

Chatham, 

68 

55 

Great  Barrington,  . 

402 

162 

Chelsea  

2,342 

686 

Greenfield,       . 

733 

352 

Chester  

53 

37 

Groton,    .... 

116 

107 

Chicopee, 

1,235 

676 

Groveland, 

111 

87 

Clarksburg,     . 

50 

31 

Halifax  

23 

18 

Clinton,  .... 

937 

374 

Hamilton, 

110 

79 

Cohasset, 

189                 124 

Hancock,         ...                16 

14 

Colrain  

54                   47 

Hanover,         ...              105 

67 

Dalton  

291                  101 

Hanson,  ....                57 

41 

Dana,       .... 

31 

28 

Hardwick,       . 

118 

56 

Danvers, 

608 

4S9 

Harwich, 

103 

69 

Dedham, 

744 

289 

Haverhill, 

2,600 

2,331 

Deerfield, 

113 

51 

Hingham, 

339 

212 

Dennis,   .... 

65                    44 

Hinsdale, 

91 

28 

Douglas, 

134                    55 

Holbrook, 

178 

86 

Dover  

42                    36 

Holland, 

7 

6 

Dudley,  .... 

158                   84 

Holliston, 

207 

136 

Duxbury, 

83                   55 

Holyoke, 

2,811 

2,733 

East  Bridgewater,  . 

227                 101 

Hopedale, 

219 

89 

East  Longmeadow, 

61                    44 

Hopkinton, 

201 

85 

Eastham, 

25 

19 

Hubbardston, 

50 

38 

Easthampton, 

410 

337 

Hudson,  .... 

415 

167 

1914.] 


HOUSE  — No.  2450. 


161 


List  of  Cities  and  Towns  that  have  accepted  Chapter  503,  Acts  of  1912  —  Continued. 


CITY  OR  TOWN. 

Yes. 

No. 

CITY  OR  TOWN. 

Yes. 

No. 

Hull  

83 

31 

Nahant,  .... 

146 

62 

Huntington,    . 

75 

47 

Nantucket, 

170 

98 

Ipswich,  

242 

151 

Natick  

802 

417 

Kingston, 

86 

63 

Needham, 

359 

186 

Lakeville, 

34 

26 

New  Ashford, 

4 

2 

Lancaster, 

96 

66 

New  Marlborough, 

59 

39 

Lanesborough, 

53 

40 

Newton  

3,256 

1,563 

Lee  

287 

120 

Norfolk,. 

70 

45 

Leicester, 

186 

114 

North  Attleborough  , 

724 

249 

Lenox,     .... 

234 

88 

North  Brookfield,  . 

104 

85 

Leominster,     . 

898 

529 

North  Reading, 

68 

50 

Leverett, 

17 

14 

Northborough, 

91 

88 

Lexington, 

380 

265 

Northbridge,  . 

462 

175 

Longmeadow, 

94 

58 

Northfield, 

85 

68 

Ludlow,  .... 

168 

55 

Norton,  .... 

103 

79 

Lynn,      .        .        .         . 

7,404 

3,193 

Norwell,  .... 

75 

60 

Lynnfield, 

89 

57 

Norwood, 

627 

181 

Maiden  

3,325 

1,441 

Oak  Bluffs,      . 

40 

37 

Manchester,     . 

182 

111 

Oakham, 

15 

12 

Mansfield, 

342 

184 

Orange,    .... 

382 

$9 

Marblehead,    . 

509 

500 

Orleans,  .... 

61 

36 

Marshfield,      . 

86 

70 

Otis  

29 

21 

Mash  pee, 

21 

8 

Oxford, 

122 

107 

Maynard, 

336 

132 

Palmer,    .... 

464 

170 

Medfield, 

100 

76 

Paxton  

20 

16 

Medford, 

2,138 

897 

Peabody, 

928 

628 

Medway,          . 

179 

89 

Pembroke, 

63 

40 

Melrose  

1,373 

931 

Pepperell, 

186 

105 

Mendon, 

48 

39 

Peru  

15 

7 

Middleborough, 

448 

270 

Phillipston,     . 

19 

12 

Middlefield,     . 

11 

8 

Pittsfield, 

2,873 

1,400 

Middleton, 

51 

10 

Plainville, 

88 

64 

Milford  

819 

313 

Plymouth, 

718 

359 

Millbury, 

208 

168 

Plympton, 

23 

18 

Millis,      .... 

98 

32 

Provincetown  , 

96 

77 

Milton,    .... 

607 

457 

Quincy  

2,268 

1,611 

Monson,  .... 

228 

140 

Randolph, 

379 

151 

Montague,        .         .        * 

365 

142 

Reading, 

486 

287 

162 


COMMISSION  ON  PENSIONS. 


List  of  Cities  and  Towns  that  have  accepted  Chapter  503,  Acts  of  1912  —  Concluded. 


CITY  OR  TOWN.                Yes. 

No. 

CITY  OR  TOWN. 

Yes. 

No. 

Rehoboth, 

58 

34 

Uxbridge, 

238 

128 

Revere  

1,767 

470 

Wakefield, 

870 

431 

Richmond, 

33 

24 

Walpole  

368 

103 

Rockland, 

595 

228- 

Waltham, 

2,376 

1,290 

Rockport, 

229 

192 

Ware  

448 

205 

Royalston, 

33 

22 

Wareham, 

239 

100 

Russell  

50 

27 

Warren  

184 

100 

Rutland, 

58 

35 

Washington,    . 

12 

11 

Salem, 

2,767 

1,802 

Watertown,      . 

830 

415 

Sandwich, 

84 

42 

Wayland, 

174 

80 

Saugus,    .... 

581 

255 

Webster  

611 

198 

Savoy,     .... 

20 

19 

Wellesley, 

347 

210 

Scituate, 

167 

105 

Wellfleet, 

52 

16 

Seekonk, 

52 

46 

Wendell,. 

24 

17 

Sharon  

150 

98 

West  Bridgewater,  . 

138 

81 

Sheffield,         .        . 

106 

68 

West  Newbury, 

120 

38 

Sherborn, 

58 

52 

West  Springfield,     . 

675 

147 

Shirley  

72 

47 

West  Stockbridge,  . 

98 

38 

Somerville, 

6,756 

2,432 

Westborough,  . 

280 

214 

South  Hadley, 

290 

225 

Westfield, 

917 

688 

Southborough, 

116 

72 

Westford, 

96 

88 

Southbridge,  . 

704 

340 

Westminster,  . 

60 

57 

Spencer,  .... 

340 

216 

Westwood, 

60 

46 

Springfield,      . 

7,120 

2,989 

Wey  mouth,      . 

888 

450 

Sterling  

72 

67 

Whitman, 

610 

255 

Stockbridge,    . 

148 

54 

Wilbraham,     . 

58 

49 

Stoneham, 

622 

275 

Williamstown, 

189 

182 

Stoughton, 

482 

195 

Wilmington,    . 

110 

68 

Stow  

47 

46 

Winchendon,   . 

236 

160 

Sutton  

85 

79 

Winchester,      . 

702 

434 

Swampscott,    . 

483 

307 

Windsor, 

13 

7 

Templeton, 

133 

100 

Winthrop, 

1,022 

515 

Tisbury, 

63 

45 

Woburn, 

1,182 

770 

Townsend, 

88 

71 

Worcester, 

9,277 

6,034 

Truro  

18 

14 

Wrentham, 

98 

70 

Upton,     .... 

123 

84 

Yarmouth, 

101 

49 

HOUSE  — No.  2450. 


163 


Cities  and  Towns  which  rejected  Chapter  503,  Acts  of  1912. 


CITY  OR  TOWN. 

Yes. 

No. 

CITY  OE  TOWN. 

Yes. 

No. 

Acton,     .... 

Ill 

117 

Gosnold, 

9 

9 

Acushnet, 

37 

83 

Granby, 

27 

46 

Amesbury, 

447 

454 

Granville, 

19 

24 

Ashby  

28 

45 

Greenwich, 

17 

17 

Ashfield, 

18 

44 

Hadley  

58 

68 

Auburn  

113 

125 

Hampden, 

32 

35 

Barre,      . 

73 

131 

Harvard, 

32 

58 

Bedford, 

61 

69 

Hatfield, 

56 

74 

Berkley  

16 

37 

Hawley  

1 

16 

Berlin  

45 

63 

Heath  

8 

17 

Bernardston,  . 

16 

34 

Holden  

87 

100 

Billerica, 

157 

166 

Lawrence, 

2,406 

4,715 

Blandford, 

13 

41 

Ley  den,  .... 

11 

20 

Bolton  

35 

41 

Lincoln,  .... 

43 

57 

Boxford  

27 

45 

Littleton, 

45 

56 

Boylston, 

34 

50 

Lowell  

4,173 

5,807 

Carlisle  

17 

32 

Lunenburg, 

35 

87 

Carver  

23 

23 

Marion,    .... 

55 

55 

Charlemont,    . 

22 

55 

Marlborough,  . 

904 

1,022 

Chelmsford,    . 

160 

276 

Mattapoisett,  . 

45 

70 

Cheshire, 

53 

'60 

Merrimac, 

93 

119 

Chesterfield,    . 

19 

26 

Methuen, 

381 

656 

Chilmark, 

7 

19 

Monroe,  .... 

8 

8 

Concord, 

262 

450 

Monterey, 

18 

23 

Con  way, 

53 

55 

Montgomery,  . 

3 

10 

Cummington, 

30 

47 

Mount  Washington, 

4 

5 

Dartmouth,     . 

58 

171 

New  Bedford, 

3,109 

5,113 

Dighton, 

57 

71 

New  Braintree, 

6 

26 

Dracut  

110 

199 

New  Salem,    . 

15 

25 

Dunstable,       .        . 

12 

24 

Newbury, 

39 

122 

Egremont, 

32 

33 

Newburyport, 

623 

1,293 

Essex  

72 

95 

North  Adams, 

986 

1,232 

Fairhaven,       .         . 

192 

249 

North  Andover,      .    T   . 

273 

278 

Fall  River,      . 

4,052 

5,654 

Northampton, 

1,070 

1,223 

Freetown, 

22 

73 

Pelham  

13 

30 

Gloucester,      .         . 

838 

1,839 

Petersham, 

28 

46 

Goshen,  .... 

9 

11 

Plainfield, 

9 

22 

164 


COMMISSION  ON  PENSIONS. 


[Apr. 


Cities  and  Towns  which  rejected  Chapter  508,  Acts  of  1912  —  Concluded. 


CITY  OR  TOWN. 

Yes. 

No. 

CITY  OR  TOWN. 

Yes. 

No. 

Prescott, 

9 

15 

Taunton, 

1,783 

1,808 

Princeton, 

23 

38 

Tewksbury,     . 

81 

110 

Rayuham, 

34 

61 

Tolland  

7 

8 

Rochester, 

20 

47* 

Topsfield, 

47 

51 

Rowe  

7 

17 

Tyngsborough, 

32 

54 

Rowley,  .... 

62 

84 

Tyringham,     . 

14 

18 

Salisbury, 

52 

102 

Wales,'      .... 

19 

21 

Sandisfield,      . 

12 

17 

Warwick, 

15 

17 

Shelburne, 

70 

92 

Wenham, 

46 

87 

Shrewsbury,    . 

84 

104 

West  Boylston, 

42 

73 

Shutesbury,     . 

6 

8 

West  Brookfield,      . 

58 

62 

Somerset, 

89 

141 

West  Tisbury, 

15 

18 

Southampton, 

20 

56 

Westhampton, 

12 

24 

Southwick,      . 

38 

41 

Weston,    .         .        .    '     . 

68 

231 

Sturbridge, 

59 

„ 

West  port, 

41 

118 

Sudbury, 

51 

67 

Whately, 

18 

24 

Sunderland,     . 

23 

29 

Williamsburg, 

103 

108 

Swansea, 

50 

106 

Worthington,  . 

9 

34 

C.     BOSTON. 

The  laws  relative  to  the  retirement  system  for  laborers  in  the  city 
of  Boston  are  found  in  the  following  statutes :  — 

Acts  of  1911,  chapter  413,  establishment  of  system. 
Acts  of  1913,  chapter  367,  amendment. 

The  system  is  noncontributory  and  was  established  by  the  city 
council  accepting  chapter  413,  Acts  of  1911. 


Beneficiaries. 

The  word  laborer  in  the  act  includes  laborers,  skilled  laborers, 
mechanics  and  craftsmen  as  registered  upon  the  lists  of  the  Civil 
Service  Commission  for  labor  service  in  the  city  of  Boston,  and  in- 
cludes all  janitors  and  all  women  performing  duties  similar  to  those 
attached  to  positions  in  the  labor  service. 


1914.]  HOUSE  — No.  2450.  165 

Management. 

The  Retirement  Board  consists  of  the  mayor,  the  auditor  and 
treasurer  of  the  city,  who  discharge  the  duties  imposed  without  addi- 
tional compensation. 

Retirement. 

Any  laborer  who  has  reached  the  age  of  — 

(a)  Sixty  years,  after  service  for  not  less  than  twenty-five  years, 
and  who  is  physically  incapacitated,  may  be  retired. 

(&)  Seventy  years  of  age,  after  service  of  not  less  than  twenty-five 
years,  must  be  retired. 

Pension. 

.  In  each  case  he  receives  an  annual  pension  equal  to  one-half  the 
compensation  to  which  he  would  have  been  entitled  for  full  employ- 
ment during  the  last  year  of  his  service  to  the  city,  but  not  to  exceed 
$360  per  year. 

Laborers  retired  in  the  City  of  Boston,  March,  1912,  to  September,  1913. 
Compulsory  retirement  (seventy  years  of  age),  .         .         .         .54 
Voluntary  retirement  (twenty-five  years  of  service),  ...     79 

Total  number  retired  to  Sept.  1,  1913, -  133 

Total  number  died, 13 


Number  on  pension  roll,  Sept.  1,  1913,       .     • 120 

Number  of  veterans  retired  to  Sept.  1,  1913, 120 

Annual  cost  to  the  city  of  Boston, $43,200 

History  of  Retirement  System  for  Boston  Laborers. 
The  Finance  Commission  disapproved  of  chapter  619  of  the  Acts 
of  1910  (an  act  providing  retirement  systems  for  employees  of  cities 
and  towns),  and  the  city  council  of  Boston  by  vote  refused  to  accept 
the  act.  This  resulted  in  the  General  Court  passing  chapter  413  of 
the  Acts  of  1913,  which  took  effect  on  its  passage,  no  provision  being 
made  for  its  acceptance  or  rejection  by  the  city.  The  act  provided 
a  pension  upon  retirement  of  one-half  the  compensation  received  dur- 
ing the  last  year  of  service.  By  amendment  of  chapter  367,  Acts  of 
1913,  this  pension  was  increased  to  "  an  amount"  equal  to  one-half 
the  compensation  to  which  he  would  have  been  entitled  for  full  em- 
ployment during  the  last  year  of  his  service  for  the  city. 


166  COMMISSION  ON  PENSIONS.  [Apr. 


9.     VETERANS. 

The  laws  relating  to  retirement  for  veterans  in  the  public  sendee 
are  found  in  the  following  statutes :  — 

Acts  of  1892,  chapter  353,  Boston  police  department. 

Acts  of  1898,  chapter  172,  Boston  -police  department. 

Acts  of  1907,  chapter  458,  in  service  of  State. 

Acts  of  1909,  chapter  398,  clerks  of  courts  in  counties. 

Acts  of  1910,  chapter  459,  amendment  to  include  all  veterans  in  service  of 

counties. 

Acts  of  1911,  chapter  113,  in  service  of  Boston. 

Acts  of  1911,  chapter  504,  veterans  in  service  of  New  Bedford. 

Acts  of  1911,  chapter  725,  veterans  in  service  of  Maiden. 

Acts  of  1912,  chapter    55,  veterans  in  service  of  Lynn. 

Acts  of  1912,  chapter  395,  amendment  to  Boston  act. 
Acts  of  1912,  chapter  447,  in  service  of  cities  and  towns. 

Acts  of  1913,  chapter  313,  amendment  to  Boston  act. 

Acts  of  1913,  chapter  642,  veterans  in  service  of  Soldiers'  Home. 

A.     STATE. 
A  veteran  of  the  civil  war  in  the  service  of  the  Commonwealth  — 

1.  If  incapacitated  for  active  duty  shall  be  retired,  with  the  con- 
sent of  the  Governor,  on  one-half  salary,  provided  he  shall  have  been 
in  the  service  of  the  Commonwealth  at  least  ten  years. 

2.  If,  in  the  opinion  of  the  Governor  and  Council  he  is  incapaci- 
tated so  as  to  render  his  retirement  necessary  for  the  good  of  the 
service,  he  may  so  be  retired  at  any  time. 

3.  Or  if  his  term  of  service  was  for  a  fixed  number  of  years  he 
is  entitled  to  one-half  salary  without  reappointment. 

B.     CITIES  AND  TOWNS. 

Veterans  of  the  civil  war  in  the  service  of  any  city  or  town,  if 
incapacitated  for  active  duty,  may  be  retired  by  the  city  council  of 
a  city  or  the  selectmen  of  a  town  at  one-half  the  average  rate  of  com- 
pensation paid  to  him  during  the  two  years  immediately  preceding 
his  retirement,  provided  he  has  been  in  the  service  of  the  city  or  town 
at  least  ten  years. 


1914.]  HOUSE  —  No.  2450.  167 

Joint  Employment. 

If  employed  by  two  cities  or  by  a  city  and  town  or  by  two  towns, 
retirement  must  be  by  joint  action  of  the  two  governing  bodies. 

Acceptance  of  Act. 

The  act  is  only  effective  when  accepted  by  the  city  council  of  a 
city  or  by  a  majority  of  the  voters  of  a  town. 

C.     COUNTIES. 

A  veteran  of  the  civil  war  in  the  service  of  any  county,  if  incapaci- 
tated for  active  duty,  having  arrived  at  sixty-five  years  of  age,  and 
after  ten  years'  service,  may  be  retired  by  the  county  commissioners 
on  one-half  salary,  but  not  to  exceed  $800  a  year,  to  be  paid  from  the 
treasury  of  the  county;  but  if  in  the  opinion  of  the  Governor  and 
Council  he  is  incapacitated  so  as  to  render  his  retirement  necessary 
for  the  good  of  the  service,  he  may  be  retired  at  any  time. 

D.     BOSTON. 

A  veteran  of  the  civil  war  in  the  service  of  the  city  of  Boston,  if 
incapacitated  for  active  duty,  may  be  retired,  with  the  approval  of 
the  mayor,  after  ten  years'  service  on  one-half  compensation.  If 
his  term  of  service  was  for  a  fixed  number  of  years  he  shall  be  entitled 
to  the  benefits  of  the  act  without  reappointment.  If  he  is  on  leave  of 
absence,  or  on  the  list  of  employees,  although  not  rendering  service, 
or  if  he  left  the  employ  of  the  city  within  three  years  preceding 
the  passage  of  the  act,  he  is  entitled  to  the  benefits  of  the  act.  In 
the  case  of  janitors  in  the  employ  of  the  school  committee  of  the 
city,  the  rate  of  pension  is  based  upon  the  net  compensation  as  de- 
termined by  the  school  committee. 

Veterans  in  police  department.      (See  Police.) 

E.     NEW   BEDFORD,   MALDEN,   LYNN. 

Prior  to  the  passage  of  chapter  447,  Acts  of  1912,  relative  to 
pensioning  veterans  in  the  service  of  cities  and  towns,  the  above- 
named  cities  were  authorized  to  pension  veterans  in  their  service 
by  special  acts  of  the  General  Court.  Each  act  provides  that  a 
veteran  in  the  service  of  the  city,  if  incapacitated  for  active  duty. 


168  COMMISSION  ON  PENSIONS.  [Apr. 

may  be  retired  with  the  consent  of  the  mayor  on  one-half  compen- 
sation after  service  of  at  least  ten  years,  and  further  provides  (except 
in  the  Maiden  act)  that  if  the  veteran's  term  of  service  was  for 
a  fixed  number  of  years  he  shall  be  entitled  to  the  benefits  of  the  act 
without  reappointment. 

F.     SOLDIERS'  HOME   IN  MASSACHUSETTS. 

A  veteran  of  the  civil  war  in*  the  service  of  the  Soldiers'  Home  in 
Massachusetts,  if  incapacitated  for  active  service,  may  be  retired 
after  fifteen  years'  service  by  the  trustees  of  the  Home,  with  the 
consent  of  the  Governor  and  Council,  on  one-half  compensation,  but 
not  exceeding  $500  per  year. 


10.     PRISON   OFFICERS  AND   INSTRUCTORS. 

Acts  of  1908,  chapter  601,  retirement   of  officers  in  prisons. 
Acts  of  1911,  chapter  673,  amendment  to  include  instructors. 

Beneficiaries. 

Any  officer  or  instructor  in  the  State  Prison,  Massachusetts  Re- 
formatory, State  Farm,  Eeformatory  Prison  for  Women  or  jail 
or  house  of  correction  who  began  employment  as  such  before  June 
7,  1911. 

Retirement. 

The  Prison  Commissioners,  with  the  approval  of  the  Governor 
and  Council,  may  retire  and  place  upon  a  pension  roll  an  officer 
or  instructor  who  — 

(a)  Is  sixty-five  years  of  age  or  over,  and  who  has  been  employed* 
in  prison  service  with  a  good  record  for  not  less  than  twenty  years. 

(&)  Has  become  permanently  disabled  by  injuries  sustained  in 
the  performance  of  his  duty. 

(c)   Has  performed  faithful  service  for  thirty  years. 

Approval  required. 

Approval  of  retirement  is  required  in  case  of  an  employee  of  the 
State  Farm  by  the  trustees  of  that  institution ;  in  case  of  an  employee 
of  jail  or  house  of  correction,  by  the  sheriff  and  county  commis- 


1914.]  HOUSE  — No.  2450.  169 

sioners ;  in  Boston  the  sheriff  and  mayor  must  recommend  the  retire- 
ment for  employees  of  the  jail  and  the  penal  institutions;  the 
commissioner  and  the  mayor  must  recommend  for  employees  of 
the  house  of  correction. 

Pension. 

The  pension  paid  is  an  amount  equal  to  one-half  of  the  salary  he 
was  receiving  at  time  of  retirement. 

By  whom  paid. 

In  the  case  of  an  officer  or  instructor  in  the  State  institutions  the 
pension  is  paid  by  the  State,  and  in  the  case  of  officers  or  instructors 
of  jails  or  houses  of  correction  the  pension  is  paid  by  the  counties. 


11.     PROBATION    OFFICERS. 

Acts  of  1912,  chapter  723. 

Beneficiaries. 

Any  probation  officer  or  assistant  probation  officer  whose  whole 
time  is  given  to  the  duties  of  the  office. 

Retirement. 

The  court  upon  which  he  attends,  with  the  approval  of  the  county 
commissioners,  may  retire  and  place  upon  the  pension  roll  such 
officer  who  is  — 

(a)  Not  less  than  sixty  years  of  age  and  who  has  served  not  less 
than  twenty  years. 

(b)  Permanently   disabled,   mentally   or   physically,   for   further 
service  by  reason  of  injuries  or  illness  incurred  in  the  performance 
of  duty. 

Pension. 

The  pension  is  one-half  the  annual  compensation  received  by  him 
at  the  time  of  retirement,  and  is  paid  by  the  county  employing  him. 


170  COMMISSION  ON  PENSIONS.  [Apr. 

12.    COURT  OFFICERS  OF  THE  SUPREME  AND  SUPERIOR  COUNTS. 

Acts  of  1912,  chapter  722. 

Beneficiaries. 

Any  court  officer  of  the  Supreme  Judicial  Court  or  of  the  Superior 
Court. 

Retirement. 

Any  officer,  who  in  the  judgment  of  the  sheriff  of  his  county  is 
disabled  for  useful  service,  and  certified  by  a  physician  to  be  per- 
manently incapacitated,  either  mentally  or  physically,  by  injuries 
sustained  in  the  actual  performance  of  duty,  and  any  officer  who 
has  performed  faithful  service  for  not  less  than  twenty  years  and 
in  the  judgment  of  the  sheriff  is  incapacitated  for  further  service, 
shall,  if  the  sheriff  so  requests,  with  the  approval  of  the  majority 
of  the  justices  of  the  court  in  which  he  serves,  be  retired. 

Pension. 

The  pension  is  one-half  the  compensation  received  by  him  at  the 
time  of  retirement. 

By  whom  paid. 

Pensions  are  paid  by  the  State  and  several  counties  to  the  same 
extent  and  in  the  same  proportion  as  the  salaries  were  paid  at  time 
of  retirement. 


13.     WOMEN    EMPLOYED    BY    THE    SERGEANT- AT- ARMS. 

Acts  of  1913,  chapter  711. 

Any  woman  in  the  employ  of  the  sergeant-at-arms  as  a  cleaner  or  scrub 
woman,  who  has  reached  the  age  of  sixty  years  and  has  been  in  such  employ 
not  less  than  fifteen  years  and  has  become  physically  or  mentally  incapacitated 
for  labor,  and  any  such  employee  who  has  been  in  the  employ  of  said  depart- 
ment for  a  period  of  not  less  than  ten  years  and  has  become  physically  or 
mentally  incapacitated  for  labor  by  reason  of  any  injury  received  in  the  per- 
formance of  her  duties  in  said  department,  may,  with  the  approval  of  the 
sergeant-at-arms,  be  retired  from  service,  and  if  so  retired  she  shall  receive 
from  the  commonwealth  for  the  remainder  of  her  life  the  sum  of  three  dollars 
per  week. 


1914.1  HOUSE  — No.  2450.  171 


CHAPTER   V. 

THE   PENSION  PROBLEM. 

GENERAL  OLD-AGE  PENSIONS. 

The  call  for  old-age  pensions  arises  from  the  fact  that  some  men 
arrive  at  the  unproductive  period  of  life  without  having  made  ade- 
quate provision  for  it,  and  because  at  present  there  is  no  satisfactory 
system  of  dealing  with  cases  of  need  arising  from  this  fact.  There 
is  also  a  demand  for  a  pension  system  from  those  who  hold  that 
the  State  as  representing  society  should  assume  an  increasing  guard- 
ianship over  its  citizens  and,  accordingly,  provide  for  their  needs. 
With  these  persons  the  general  old-age  pension  is  only  a  small  part 
of  a  larger  program  for  the  reorganization  of  society;  to  them  no 
proof  of  the  desirability  of  an  old-age  pension  is  necessary.  Those, 
on  the  other  hand,  who  are  convinced  of  the  validity  of  the  doctrine 
of  laissez  faire,  are  equally  strong  in  their  belief  that  old-age  pensions 
are  wholly  indefensible*  They  deprecate  the  encroachment  of  society 
upon  individual  freedom,  and  oppose  the  extension  of  the  social 
activities  of  the  State ;  their  hope  for  the  advancement  of  society  rests 
on  the  industry  and  thrift  of  the  individual,  and  when  misfortune  or 
lack  of  stamina  have  operated  adversely  in  individual  cases,  they 
offer  the  poorhouse  for  the  dependent  and  the  hospital  for  the  sick. 

Between  these  extremes  stands  the  largest  class  of  citizens,  to  whom 
any  defect  in  the  present  social  system  is  of  vital  concern,  and  to 
whom  the  call  for  an  old-age  pension,  based  upon  the  need  of  the 
superannuated  and  the  inadequacy  of  the  present  system  of  poor 
relief  to  meet  this  need,  is  a  challenge  to  constructive  thinking. 

While  the  social  activities  of  the  State  are  marked  by  humane 
legislation  in  many  forms  for  the  betterment  of  the  individual,  its 
system  of  poor  relief  is  antiquated.  Poor  relief  makes  no  distinction 
between  the  worthy  and  the  unworthy;  the  social  stigma,  the  de- 
privation of  citizenship,  and  often  the  publication  in  the  town  report 
of  the  name  of  the  recipient  and  the  amount  doled  out  to  him,  make 
the  system  onerous,  and  the  opprobrious  epithet  of  "  pauper  "  is  the 
price  the  citizen  is  obliged  to  pay  for  help.  Whether  the  agitation 


172  COMMISSION  ON  PENSIONS.  [Apr. 

for  old-age  pensions  could  have  been  avoided  had  the  State  built 
upon  humane  and  economic  lines  a  system  of  relief  to  the  needy  that 
would  have  removed  the  stigma  now  attaching  to  it,  is  not  yet  too 
late  to  inquire.  The  causes  of  the  stigma  are  worthy  of  considerable 
study,  for  it  may  well  be  that  a  wise  change  in  method  can  greatly 
improve  the  whole  situation. 

Much  of  the  agitation  for  the  old-age  pension  in  this  Common- 
wealth is  based  upon  an  expectation  of  payment  by  the  State  of  about 
$200  per  annum,  and  its  exponents  cite  the  example  of  European 
countries  as  a  precedent,  A  full  description  of  the  origin  and  growth 
of  old-age  pensions  in  Germany,  England,  France  and  other  countries 
is  set  forth  in  the  United  States  Bureau  of  Labor  publications.  It 
is  necessary,  however,  to  refer  to  them  briefly  here  in  order  to  correct 
the  conception  of  the  foreign  old-age  pension  as  it  exists  in  the  minds 
of  some  of  those  who  advocate  it  in  this  Commonwealth. 

The  German  system  was  established  in  1889,  and  its  fundamental 
principles  have  undergone  no  change.  It  has  stood  the  test  of  twenty- 
five  years'  experience,  and  has  proved  of  economic  and  humanitarian 
value.  The  system  is  compulsory  and  includes  invalidity  and  old  age. 
The  premiums  are  paid,  one-half  by  the  employee,  one-half  by  the 
employer;  the  State  subsidy  is  the  cost  of  administration  and  $11.90 
per  annum  to  each  pensioner.  The  annuity  varies  from  $26.18  to 
$54.64,  payable  at  age  TO. 

The  compulsory  system  in  France  is  similar,  the  employer  and 
employee  contributing  equally  to  the  premium.  The  State  subsidy 
was  $11.58,  but  was  increased  by  the  act  of  Feb.  12,  1912,  to  a 
maximum  of  $19.30.  The  pension  varies  from  $19.70  to  $78.78,  and 
is  payable  at  age  60. 

The  English  system  provides  pension  payments  by  the  State  to 
every  person  over  the  age  of  70  who  is  not  in  receipt  of  an  annual 
income  greater  than  £31  10s.  The  system  went  into  effect  June  1, 
1909.  The  amount  of  pension  varies  between  52s.  and  260s.  per 
annum,  depending  upon  the  income  of  the  pensioner  from  other 
sources.  It  will  be  seen  that  even  under  the  English  system,  which 
places  the  whole  cost  of  pensions  on  the  State,  the  latter  pays  at  most 
an  annual  gratuity  of  less  than  $65. 

What  is  the  demand  for  an  old-age  pension;  to  what  extent  does 
old-age  dependency  exist;  should  a  pension  be  based  upon  need,  or 
should  it  be  extended  to  all,  regardless  of  need;  can  legislation  be 


1914.]  HOUSE  —  No.  2450.  173 

enacted  without  constitutional  amendment,  —  these  are  the  elements 
that  make  up  the  problem  in  this  Commonwealth. 

The  Pension  Commission  of  1910  reported  that  there  was  no  con- 
siderable demand  in  this  State  for  the  establishment  of  a  general 
scheme  of  old-age  pensions  or  insurance.  The  experience  of  the 
present  commission  has  emphasized  this  conclusion.  In  the  hearings 
held  throughout  the  State  no  one  appeared  in  advocacy  of  a  general 
old-age  pension,,  save  in  one  instance  at  a  hearing  in  Boston.  Never- 
theless, from  time  to  time,  before  legislative  committees  or  other 
bodies,  advocates  of  the  general  old-age  pension  appear.  In  some 
cases  the  demand  arises  from  an  honest  sympathy  with  the  dependent 
aged ;  in  some  cases  the  demand  is  inspired  by  adherence  to  socialistic 
theories;  and  in  other  cases  it  has  its  inception  in  the  belief  that  it 
is  an  attractive  inducement  to  political  support.  The  demand  that 
is  the  most  difficult  to  meet  arises  from  the  fact  that  public  employees, 
who  are  regarded  as  more  favored  in  their  employment  than  private 
employees,  are  in  some  places  in  receipt  of  non-contributory  pensions 
paid  from  funds  raised  by  taxation,  and  that  private  employees  have 
equal  rights  to  such  consideration  from  the  public  treasury.  What- 
ever may  be  the  motives  that  actuate  those  who  at  the  present  time 
are  insistent  upon  the  necessity  of  a  general  old-age  pension,  the 
citizens  of  the  Commonwealth  have  not  yet  manifested  any  sufficient 
interest  in  the  question  to  call  for  immediate  legislation. 

The  investigation  of  the  Pension  Commission,  which  reported  in 
1910,  showed  less  than  25  per  cent,  of  the  inmates  of  poorhouses  to 
be  over  sixty-five  years  of  age.  The  present  commission,  without  at- 
tempting to  duplicate  the  work  of  the  former  commission,  has  in- 
terviewed many  of  the  almoners  throughout  the  State  and  others 
interested  in  poor  relief.  The  almoners  almost  without  exception 
stated  their  conviction  based  upon  their  experience  that  a  system  of 
old-age  pensions  would  not  help  the  poorhouse  problem,  as  nearly 
all  inmates  of  the  poorhouses  are  such  as  must  have  institutional  care. 
Neither  the  former  commission  nor  the  present  could  do  more  than 
make  an  estimate  of  the  number  of  people  in  the  State  over  sixty- 
five  and  over  seventy  years  of  age,  outside  of  the  poorhouses,  who  are 
in  a  condition  of  old-age  dependency. 

The  commission  recognizes,  however,  that  need  arising  from  old- 
age  incapacity  may  exist  to  a  greater  extent  than  is  indicated  by  the 
experience  of  almoners,  the  reports  of  town  farms,  the  expression 


174  COMMISSION  ON  PENSIONS.  [Apr. 

of  citizens  at  public  hearings,  or  by  any  data  which  are  yet  available. 
In  the  treatment  of  this  question,  involving  a  departure  into  experi- 
mental fields  of  legislation,  the  most  accurate  statistical  information 
is  necessary  as  a  guide  to  action.  That  a  census  study  is  needed 
is  indicated  by  the  experience  of  England,  where  the  number  of 
applications  for  pensions  was  667,000,  or  nearly  double  the  estimate 
of  386,000.  Our  own  experience  in  the  United  States  of  underesti- 
mates is  also  illuminating:  President  Cleveland  pointed  out  that  in 
1818,  when  the  Revolutionary  Pension  bill  was  under  discussion, 
the  number  of  pensioners  was  estimated  as  374 ;  the  number  of  appli- 
cants was  22,297;  and  the  number  of  pensions  allowed  20,485,  and 
the  cost  was  $1,850,000  instead  of  the  $40,000  which  was  estimated. 
In  1853  a  law  was  passed  for  the  widows  of  Revolutionary  soldiers, 
who  were  estimated  at  300;  the  number  of  pensions  allowed  was 
3,742,  and  amounted  to  $180,000  instead  of  $24,000  as  estimated. 
In  Germany  the  first  step  in  the  discussion  of  social  insurance  was 
a  most  minute  census  investigation  of  the  whole  country.  The  com- 
mission recommends,  therefore,  that  at  the  State  census  of  1915  an 
exhaustive  study  be  made  and  a  supplementary  census  be  taken  of 
the  condition,  the  need  and  the  causes  of  need  of  all  persons  in  the 
State  over  sixty-five  years  of  age. 

Economically  considered,  the  old-age  pension  is  a  redistribution  of 
wealth,  either  from  the  productive  years  of  an  individual  to  his  non- 
productive years,  or  from  the  funds  of  all  to  the  superannuated. 
Redistribution  in  the  one  case  is  by  savings,  in  the  other  by  taxation. 
Upon  the  basis  of  savings,  a  pension  system  can  be  inclusive,  balanced 
and  self-sufficient.  If  the  wage  earner  received  an  adequate  wage,  — 
and  by  adequate  wage  is  meant  the  inclusion  of  a  surplus  beyond 
the  amount  necessary  for  decent  support  of  his  family,  —  and  the 
State  could  compel  him  in  his  productive  years  to  lay  aside  from  such 
surplus  an  amount  sufficient  for  his  non-productive  years,  the  prob- 
lem would.be  solved.  An  independent  old  age  would  then  be  the 
result  of  individual  effort. 

Upon  grounds  of  justice  an  old-age  pension  derived  from  savings 
cannot  be  assailed ;  upon  practical  grounds  the  ability  of  the  lowest 
paid  worker  to  set  aside  enough  to  provide  a  reasonable  annuity  for 
himself  may  be  questioned.  Reference  to  annuity  tables  will  show 
that  it  takes  but  a  small  amount  weekly  to  purchase  a  substantial 
annuity  at  advanced  age.  To  buy  an  annuity  at  age  70  of  about  $200 


1914.]  HOUSE  — No.  2450.  175 

per  year  requires  a  deposit  of  only  34  cents  a  week  for  forty  years, 
at  an  interest  rate  of  3%  per  cent.,  or  42  cents  a  week  for  thirty-five 
years.  The  same  deposits  would  furnish  an  annuity  of  about  $170 
at  age  65. 

Upon  the  basis  of  taxation  the  problem  presents  new  aspects.  A 
system  of  non-contributory  pensions  regardless  of  need,  to  all  who 
•reach  a  certain  age,  must  be  supported  by  the  tax  levy,  and  many 
who  give  unthinking  support  to  such  a  doctrine  as  a  simple  and  easy 
settlement  of  the  needs  of  the  poor  do  not  always  realize  that  taxes 
are  borne  not  alone  by  the  taxpayer,  who  pays  directly,  but  indirectly 
by  all  the  people  in  the  State. 

Old  age  exists  to  a  far  greater  extent  than  is  generally  supposed. 
According  to  the  American  Experience  Mortality  Table  of  100  per- 
sons at  the  age  of  twenty,  53  will  reach  the  age  of  sixty-five  and  42 
the  age  of  seventy,  at  which  time  the  average  expectancy  of  life  will 
be  eight  and  a  half  years.  Consequently,  any  general  old-age  pension, 
not  based  upon  need,  must  eventually  include  about  one-half  the  pres- 
ent adult  population  of  the  State.  The  provident  worker  would  be 
taxed  directly  on  his  home  and  indirectly  on  all  the  necessities  of  life 
in  order  to  support  such  a  scheme,  but  no  share  of  his  burden  should 
go  to  those  whose  need  is  actually  less  than  his  own,  or  who  is  less 
deserving.  It  would  become  necessary,  therefore,  to  make  sure  that 
annuities  would  be  paid  neither  to  the  shiftless  nor  to  the  well-to-do. 
But  this  would  require  an  investigation  of  the  financial  condition  and 
previous  record  of  each  applicant,  which  would  create  expensive  and 
inquisitorial  machinery  and  would  in  its  essence  be  poor  relief.  Yet 
not  even  in  this  form  is  it  effective  or  just  relief,  for  it  lacks  all  the 
flexibility  which  should  provide  for  dependents  of  the  pensioner  or 
for  the  increased  needs  of  the  invalid. 

Consideration  of  the  many  and  puzzling  questions  which  arise  out 
of  the  sufferings  of  poverty  is  led  into  wrong  paths  by  the  alluring 
simplicity  of  the  general  old-age  pension.  The  needs  of  the  indigent 
vary  in  their  extent,  their  nature  and  their  causes;  need  is  by  no 
means  confined  to  those  over  sixty-five  years  old,  but  arises  from  three 
sources,  sickness,  widowhood,  and  orphanage,  much  more  frequently 
than  from  old  age.  If  a  pension  system  takes  into  account  variations 
in  the  amount  of  help  needed,  it  is  a  poor  relief  which  sacrifices  some 
of  its  efficacy  for  the  sake  of  concealment  of  its  real  nature.  If  it 
does  not  take  these  variations  into  account,  it  becomes  a  rigid  and 


176  COMMISSION  ON  PENSIONS.  [Apr. 

expensive  system  of  gratuities,  giving  less  than  is  needed  to  some 
and  encouraging  some  to  become  dependents  who  would  otherwise 
maintain  themselves  in  independence. 

There  is  one  factor  of  the  problem  in  our  country,  and  more  par- 
ticularly in  our  State,  which  does  not  exist  in  any  important  degree 
in  England  or  Germany,  —  the  effect  of  immigration  upon  the  results 
of  a  pension  system.  While  this  effect  is  very  difficult  to  predict,  the 
subject  demands  close  thought.  "In  a  stable  community  a  system  of 
gratuitous  old-age  pensions  is  felt  by  many  to  be  a  serious  menace 
to  the  sturdiness  of  the  citizenship ;  there  is  the  added  fear  that  such 
a  system  would  invite  an  undesirable  migration  from  other  States 
and  countries  into  Massachusetts. 

Finally,  if  a  general-  old-age  pension  were  advisable,  notwith- 
standing the  reasons  heretofore  given,  the  constitutional  phase  of  the 
problem  still  remains  to  be  considered. 

The  general  principle  of  law  forbids  the  exercise  of  the  power  of 
taxation  for  any  but  a  public  purpose.  Old-age  pensions  have 
nowhere  been  established  in  the  United  States.  The  opinion  is  well 
grounded  among  all  who  have  written  on  the  subject,  that  under  our 
present  forms  of  federal  and  State  constitutions,  old-age  pensions, 
when  not  based  on  need  in  the  form  of  poor  relief,  would  be  pro- 
hibited by  our  constitution.  An  eminent  authority,1  after  reviewing 
the  decisions  of  federal  and  State  courts  bearing  on  the  question, 
says :  — 

Our  conclusions,  then,  as  to  the  constitutionality  of  old  age,  accident  and 
sickness  pensions  are,  assuming  that  the  courts  do  not  change  their  view :  — 

1.  Such  pensions  when  provided  by  State  action  are  not  prohibited  by  the 
fourteenth   amendment  or  any  other  provision   of  the  federal   Constitution, 
particularly  if  they  are  confined  to  indigent  persons. 

2.  If  not  confined  to  indigent  persons  they  are  unconstitutional  under  the 
ordinary  provisions  of  the  State  constitutions. 

3.  Even  if  confined  to  indigent  persons  they  are  probably  unconstitutional 
under  the  ordinary  provisions  of  the  State  constitutions,  although  there  is 
some  reason  for  believing  they  might  be  justified  as  a  form  of  outdoor  poor 
relief. 

4.  There  is  much  ground  for  the  belief  that  such  pensions,  particularly  if 
confined  to  indigent  persons,  might  constitutionally  be  provided  by  the  federal 
government. 

1  Frank  J.  Goodnow,  Columbia  University,  American  Political  Science  Review,  May,  1911. 


1914.]  HOUSE  —  No.  2450.  177 

The  commission  does  not  urge,  as  an  argument  against  old-age 
pensions,  that  they  are  not  permitted  by  our  constitution,  for  when- 
ever the  old-age  pension  is  demanded  by  the  people  of  this  State  the 
constitution  can  be  amended.  The  commission,  however,  strongly 
recommends  that  no  such  legislation  be  attempted  until  the  constitu- 
tional question  be  determined,  so  that  the  enactment  of  a  law 
of  doubtful  constitutionality,  which  purports  to  be  a  humanitarian 
measure  of  relief,  may  not  arouse  expectations  which  the  Supreme 
Court  may  be  compelled,  by  a  just  interpretation  of  the  constitution, 
to  disappoint. 

The  commission  is  of  the  firm  opinion  that  the  reasons  herein  set 
forth  compel  the  conclusion  that  a  general  old-age  pension  is  in- 
advisable. 

PUBLIC  SEEVICE  PENSIONS. 

The  principle  upon  which  pensions  have  been  granted  by  the  Legis- 
lature in  this  Commonwealth  to  persons  engaged  in  the  public  service 
has  never  been  defined  either  by  the  Legislature  or  the  courts. 

The  pension  system  had  its  origin  in  the  police  and  firemen's 
pensions,  the  adoption  of  which  was  due  to  sentiment  aroused  on 
account  of  the  hazard  of  their  employment.  The  system  grew,  and 
one  pension  law  after  another  was  passed,  generally  following  an 
organized  movement  by  the  proposed  beneficiaries.  Many  of  these 
laws  were  drawn  with  evident  doubt  of  their  constitutionality,  and 
in  the  earlier  laws  a  clause  was  generally  inserted  providing  that 
the  pensioners  could  be  called  upon  for  duty  in  cases  of  emergency. 
This  clause  had  no  practical  results,  and  without  doubt  was  written 
in  with  the  hope  of  evading  the  question.  In  view  of  the  increasing 
effort  of  nearly  all  classes  of  public  employees  to  obtain  pensions  the 
time  has  now  come  to  determine  upon  what  principle  and  what  theory 
such  pensions  must  be  based.  The  form  of  legislation  must  depend 
upon  whether  a  pension  has  its  basis  in  some  right  of  the  employee 
or  some  benefit  to  the  public  service.  In  the  hearings  before  the 
commission  the  public  employees,  almost  without  exception,  based 
their  claim  for  their  respective  pensions  upon  grounds  relating  to 
their  employment  as  constituting  a  moral  or  equitable  right  to  the 
pension. 

While  it  will  not  be  feasible  within  the  limits  of  this  chapter  to 


178  COMMISSION  ON  PENSIONS.  [Apr. 

discuss  the  question  fully  from  a  legal  standpoint,  it  is  advisable 
briefly  to  refer  to  the  right  or  power  of  the  State  to  grant  pensions. 

That  money  raised  by  taxation  can  only  be  voted  for  a  public  use 
is  a  principle  affirmed  by  the  Massachusetts  Supreme  Court  in  many 
cases. 

In  Whitaker  v.  Salem,  decided  Feb.  28,  1914,  the  Supreme  Court 
of  this  Commonwealth  said :  — 

But  they  must  keep  within  the  broad  principles  which  govern  all  public 
boards  of  officers.  They  are  charged  with  the  expenditure  of  money  raised 
by  taxation.  They  can  have  power  to  vote  it  only  for  public  uses.  They 
have  no  right  to  devote  it  to  private  purposes.  However  meritorious  the 
project  may  appear  to  be,  either  in  its  practical,  or  ethical,  or  sentimental 
aspects,  if  it  is  in  essence  the  emolument  of  an  individual  rather  than  fur- 
thering the  public  interest,  money  raised  by  taxation  cannot  be  appropriated 
for  it.  These  principles  often  have  been  declared  respecting  a  great  variety 
of  subjects  and  cannot  be  doubted. 

In  Opinion  of  the  Justices,  204  Mass.  175,  the  court  qualified 
its  decision  in  Mead  v.  Acton,  139  Mass.  341.  which  was  a  case 
widely  cited  throughout  the  country  against  the  right  to  pension 
public  employees,  and  said,  upon  the  question  of  the  right  of  a  city 
to  pay  to  the  widow  or  heirs  of  a  deceased  public  employee  the  salary 
to  which  he  would  have  been  entitled,  "  It  will  be  plain  from  what 
we  have  said,  that  in  our  opinion  the  public  welfare  alone  must  be 
the  ground,  as  it  is  the  only  legal  justification  for  this  kind  of  pay- 
ment." 

Perhaps  the  clearest  statement  is  made  in  the  leading  case  of 
Lowell  v.  Boston,  111  Mass.  454,  where  Mr.  Justice  Wells  said:  — 

The  promotion  of  the  interest  of  individuals,  either  in  respect  to  property 
or  business,  although  it  may  result  incidentally  in  the  advancement  of  the 
public  welfare,  is  in  its  essential  character  a  private  and  not  a  public  advan- 
tage. However  certain  and  great  the  resulting  good  to  the  general  public, 
it  does  not,  by  reason  of  its  comparative  importance,  cease  to  be  incidental. 
The  incidental  advantage  to  the  State,  which  results  from  the  promotion  of 
private  interests  and  the  prosperity  of  private  enterprises  or  business,  does 
not  justify  their  aid  by  the  use  of  public  money  raised  by  taxation,  or  for 
which  taxation  may  become  necessary.  It  is  the  essential  character  of  the 
direct  object  of  the  expenditure  which  must  determine  its  validity  as  justify- 
ing a  lax,  and  not  the  magnitude  of  the  interests  to  be  effected,  nor  the 
degree  to  which  the  general  advantage  of  the  community,  and  thus  the  public 
welfare,  may  be  ultimately  benefited  by  their  promotion. 


1914.]  HOUSE  — No.  2450.  179 

This  principle  has  been  affirmed  by  the  Supreme  Court  in  Opinion 
of  the  Justices,  175  Mass.  599 ;  Opinion  of  the  Justices,  190  Mass. 
611 ;  Opinion  of  the  Justices,  204  Mass.  611 ;  Opinion  of  the  Jus- 
tices, 211  Mass.  624. 

Therefore,  in  analyzing  the  reasons  upon  which  the  pension  for 
public  employees  must  be  based,  it  can  be  deduced  from  the  above 
citations  that  the  expenditure  of  public  moneys  raised  by  taxation 
for  gratuities  or  any  purpose  but  a  public  use  is  unlawful,  and  that 
the  reason  for  a  pension  to  a  public  employee  must  have  its  deriva- 
tion from  one  of  two  sources:  (a)  an  equitable  claim  of  the  employee 
upon  the  State,  or  (&)  a  public  purpose  resulting  in  benefit  to  the 
State. 

Government  is  necessary  to  society,  but  the  cost  of  government  can 
become  a  menace  and  burden  to  society  beyond  its  just  limits ;  analy- 
sis of  the  advancing  cost  of  living  discloses  that  excessive  cost  of 
government  contributes  no  small  part.  According  to  the  Census 
Bureau's  figures  the  city  of  Boston  spends  for  all  purposes  connected 
with  its  government  and  administration  about  $35,000,000  per  year. 
This  is  about  $48  per  capita,  or  about  $200  for  every  family.  The 
laborer  who  has  no  taxable  property  does  not  contribute  such  an 
amount  directly  by  taxation ;  but  indirectly  he  pays  his  full  share  in 
rent,  in  groceries,  provisions  and  whatever  else  he  buys.  The  prop- 
erty owner  is  often  but  a  tax  collector  svho  pays  his  taxes  from  the 
income  derived  from  rents,  and  the  increased  taxation  of  the  manu- 
facturer or  the  merchant  is  borne  by  the  consumer  in  the  increased 
price  of  the  goods  he  buys. 

The  cost  of  taxation  is  of  paramount  importance  to  the  man  who 
works  with  his  hands  as  well  as  to  the  property  owner,  and  govern- 
ment, the  cost  of  which  must  be  paid  out  of  the  funds  raised  by  taxa- 
tion, should  not  be  administered  on  extravagant  or  philanthropic 
lines,  but  must  be  subjected  to  the  test  of  its  true  value  to  all  citizens. 

It  can  be  predicated  as  sound  doctrine  that  the  State  has  done  its 
full  duty  towards  the  public  employee  when  it  fulfils  its  just  obliga- 
tions to  him.  This  leads  to  the  inquiry  as  to  what  is  the  duty  of  the 
State  to  the  employee.  That  duty  can  be  stated  to  comprise :  — 

1.  An  adequate  wage  for  service  rendered.  By  adequate  wage 
is  meant  a  wage  that  leaves  at  least  some  surplus  to  the  employee 
beyond  the  cost  of  living.  This  surplus  necessarily  is  an  indeter- 
minate quantity  dependent  to  a  large  extent  upon  the  thrift  of  the 


180  COMMISSION  ON  PENSIONS.  [Apr. 

employee;  but  with  a  proper  standard  of  thrift  it  should  be  large 
enough  to  give  reasonable  comfort  and  education  to  his  family. 

2.  Hours  of  labor  and  other  conditions  of  employment  as  favor- 
able as  those  in  similar  private  employment. 

3.  Permanency  of  employment  and  security  of  wages  as  favorable 
as  can  be  obtained  in  any  similar  private  employment. 

If  the  State  fulfils  its  duty  in  these  respects  the  public  employee 
can  have  no  further  claim  as  a*  moral  or  equitable  right  upon  the 
State. 

While  there  are  some  exceptions  to  the  rule,  nevertheless  it  will 
not  be  disputed  by  most  citizens  that  the  public  employee  receives  as 
much,  if  not  more,  in  wages  than  the  private  employee  in  similar 
employment;  that  as  a  rule  he  is  more  favored  in  conditions  and 
hours  of  labor,  is  subject  to  less  strenuous  supervision,  and  is  assured 
of  better  security  of  wages  and  greater  permanency  of  employment. 
If  wages  at  any  time  should  fall  below  the  standard  the  remedy 
should  not  be  a  pension  system  but  the  readjustment  of  wages. 

It  must  follow  that  the  public  employee's  claim  to  a  pension  can- 
not with  reason  be  based  on  any  failure  of  the  State  to  do  its  duty. 

The  arguments  generally  advanced  in  support  of  pensions  are :  — 

1.  That  the  reason  which  has  induced  many  railway  companies 
and  industrial  corporations  to  provide  superannuation  retirement  for 
their  employees  applies  equally  to  the  service  of  the  State. 

~No  doubt  the  example  of  many  railroads  and  other  large  business 
institutions,  which  have  established  gratuitous  pension  systems  for 
superannuated  employees,  has  created  among  public  employees  a 
belief  that  the  State  should  do  the  same.  In  some  cases  such  private 
pension  schemes  are  based  on  philanthropic  and  humanitarian  mo- 
tives, and  in  others  the  purpose  is  to  hold  employees  free  from  the 
interference  of  labor  organizations.  That  such  pension  schemes  fur- 
nish a  precedent  for  pensions  for  public  employees  cannot  be  more 
convincingly  refuted  than  by  the  reasons  given  by  the  United  States 
Commission  on  Economy  and  Efficiency  in  its  report  to  President 
Taft,  April,  1912  (House  Doc.  No.  732,  62d  Cong.,  2d  Sess.):- 

The  question  may  be  raised  why  a  straight  pension  should  be  demoralizing 
to  the  government  service,  when  the  testimony  of  private  employers  is  to 
the  effect  that  they  have  found  it  helpful  in  the  maintenance  of  discipline. 
The  answer  is  that  conditions  of  employment  in  the  government  service  are 
diametrically  different  from  those  in  private  service.  A  straight  pension 


1914.]  HOUSE  — No.  2450.  181 

is  a  powerful  aid  to  the  ordinary  employer  in  holding  his  men  and  in  keep- 
ing up  their  standard  of  efficiency,  as  brought  out  by  the  Hon.  Frank  A. 
Vandeiiip,  president  of  the  National  City  Bank  of  New  York,  in  an  article 
on  "  Insurance  for  Working  Men,"  published  in  the  "  North  American  Re- 
view," in  December,  1905.  Said  he :  — 

When  employees  realize  that  unsatisfactory  conduct  may  at  any  time  lose  them  not 
only  their  present  position,  a  loss  which  in  such  a  labor  market  as  ours  might  be  easily 
made  good,  but  that  it  entails  further  the  loss  of  a  very  valuable  asset,  —  the  employee's 
right  to  a  pension,  —  the  incentive  to  good  conduct  is  greatly  increased.  It  operates 
especially  as  an  incentive  to  hold  men  between  the  ages  of  forty  and  fifty,  when  they 
have  acquired  the  experience  and  skill  which  makes  them  especially  valuable,  and  pre- 
vents their  being  tempted  away  by  slightly  increased  wages  for  a  temporary  period. 

This  statement  is  entirely  correct  when  applied  to  business  institutions. 
It  is  not  wholly  correct  when  applied  to  the  government  service.  A  straight 
pension  is  a  powerful  aid  to  the  government  as  well  as  to  a  corporation  in 
holding  its  employees,  but  there  is  this  radical  difference  in  its  operation 
under  the  two  conditions:  in  the  case  of  the  government  it  operates  to  hold 
the  poor  employees  rather  than  the  good,  and  to  break  down  rather  than 
to  keep  up  the  standard  of  efficiency.  This  is  explained  by  two  fundamental 
differences  in  the  conditions  of  labor  when  a  private  corporation  is  the  em- 
ployer and  when  the  United  States  government  acts  in  that  capacity.  These 
are,  first,  the  fact  that  there  is  seldom  any  relationship  between  the  value 
and  the  cost  of  a  government  output  such  as  there  always  is  in  the  case  of 
a  commodity  produced  by  a  private  corporation;  and  second,  the  fact  that 
vthe  man  at  the  head  of  a  government  office  or  shop  has  much  less  authority 
over  his  subordinates  than  has  an  executive  officer  similarly  placed  in  a 
private  business. 

The  fact  that  the  administrative  officials  at  the  head  of  government  offices 
have  not  entire  control  over  the  selection  of  their  subordinates  makes  it  im- 
possible for  those  officials  to  be  held  as  strictly  responsible  for  results  as  is 
the  case  in  private  business.  What  is  everybody's  business  is  nobody's  busi- 
ness. Since  also  the  position  of  the  executive  head  of  the  office  is  not  greatly 
endangered  by  the  incompetency  of  his  assistants,  especially  where  the  effect 
of  the  incompetency  cannot  be  readily  measured  by  reduction  in  actual  out- 
put of  some  kind,  it  follows  that  he  can  afford  to  be  lenient  with  them.  He 
is  especially  inclined  to  be  so  if  the  employee's  inefficiency  is  known  to  be 
the  result  of  old  age  or  any  other  cause  which  makes  an  appeal  to  the  nat- 
ural feelings  of  humanity.  In  case  the  inefficient  employee  is  working  under 
a  pension  system  whereby  he  is  entitled  on  reaching  a  certain  age  to  retire 
on  a  competence,  the  head  of  the  office  will  be  all  the  more  reluctant  to  dis- 
miss him  before  he  reaches  that  age.  But  a  pension  system  has  exactly  the 
opposite  effect  where  the  private  corporation  is  the  employer.  In  that  case 
the  administrative  official  at  the  head  of  an  office  is  held  directly  responsible 
either  to  the  owner  of  the  business  or  a  board  of  directors  for  the  inefficiency 
of  his  subordinates.  The  output  can  usually  be  measured  in  'terms  of  tons 


182  COMMISSION  ON  PENSIONS.  [Apr. 

or  dollars,  and  if  it  falls  below  the  required  amount  the  position  of  the  man 
in  charge  is  jeopardized.  In  self-defence,  therefore,  he  is  obliged  to  hold 
every  subordinate  up  to  the  highest  standard  of  efficiency,  and  to  stifle  any 
feeling  of  humanity  or  sympathy  which  might  otherwise  tempt  him  to  show 
leniency.  That  being  his  state  of  mind,  a  pension  system  becomes  a  power- 
ful aid  to  him  in  his  effort  to  maintain  discipline  and  secure  obedience  and 
industry,  as  explained  by  Mr.  Vanderlip  in  the  article  quoted  above.  Un- 
doubtedly, the  reason  why  railroads  and  other  corporations  are  disposed  to 
favor  the  straight  pension  with  entire  control  of  the  pension  fund,  rather 
than  any  contributory  plan  with  a  fund  in  any  way  controlled  by  the  em- 
ployees, is  that  it  helps  them  to  approximate  the  establishment  of  military 
discipline  among  their  subordinates.  They  look  on  a  pension  as  a  useful 
kind  of  strike  insurance.  For  fear  of  forfeiting  his  pension,  the  employee, 
like  the  soldier,  will  sacrifice  much  of  his  personal  liberty,  including  his  right 
to  strike  for  better  wages  or  shorter  hours. 

2.  That  a   pension  system  attracts   a  better  class  of  employees. 
While  it  is  true  that  individual  cases  can  be  cited  wherein  the  pen- 
sion is  an  inducing  factor  to  enter  the  public  service,  it  may  well  be 
questioned  whether  it  increases  to  any  appreciable  extent  the  effi- 
ciency of  the  service,  since  it  attracts  the  inefficient  as  well  as  the 
efficient.     It  is  a  very  small  percentage  of  those  who  enter  the  public 
service  to  whom  the  consideration  of  what  they  will  receive  by  way 
of  a  pension  at  sixty-five  or  seventy  years  of  age  is  a  controlling  fac- 
tor in  their  application  for  public  employment.     The  attraction  of  a 
better  class  of  employees  by  reason  of  a  pension  is  an  unknown 
quantity,  if  it  exists  at  all,  and  to  justify  the  cost  of  a  pension  system 
on  such  an  unknown  factor  would  be  illogical  and  unwarranted. 

3.  That  a  pension  increases  the  efficiency  of  the  public  employee. 
This  reason  assumes  that  the  public  employee,  who  is  paid  an  ade- 
quate wage,  would  be  more  efficient  if  a  pension  were  added  to  his 
wage.     This  argument  rarely  comes  from  the  employee,  who  contends 
that  he  is  giving  the  best  service  he  can.     A  pension  system  is  not 
an  incentive  to  efficiency  in  service  because  it  includes  the  inefficient 
as  well  as  the  efficient.     What  added  stimulus  can  the  efficient  em- 
ployee have  to  further  endeavor  by  reason  of  a  pension,  when  he 
considers  that  his  inefficient  fellow  employee  will  likewise  receive 
the  same  pension  ? 

The  commission  finds  that  only  by  the  retirement  of  the  super- 
annuated does  a  pension  system  improve  the  efficiency  of  the  public 
service,  and  that  without  a  proper  pension  system  — 


1914.]  HOUSE  — No.  2450.  183 

1.  Appointing  officers  are  unwilling  to  dismiss  those  who  have 
become  superannuated,  when  it  entails  hardship. 

2.  Political  influences  come  into  play  to  prevent  the  discharge  of 
employees  who  have  outlived  their  usefulness. 

3.  The  practice  of  keeping  on  the  pay  roll  superannuated  employ- 
ees who  have  lost  their  efficiency  means  waste. 

The  Vaste  arises  from  the  fact  that  the  superannuated  employee 
is  unable  to  perform  his  duty  and  is  practically  a  pensioner  on  full 
salary;  that  his  work  devolves  upon  younger  employees  who  feel  a 
sense  of  injustice  in  performing  the  work  and  receiving  less  than  the 
aged  incompetent;  and  that  superannuated  employees  retard  promo- 
tion and  stagnate  the  service. 

Whether  a  proper  pension  plan  should  be  non-contributory  or  con- 
tributory in  character  is  a  vital  question. 

The  non-contributory  pension,  sometimes  called  the  straight  pen- 
sion, is  supported  wholly  from  the  tax  levy.  The  commission  finds 
against  such  pension  for  public  employees,  because  — • 

1.  It  is  a  heavy,  continuing  and  increasing  tax. 

2.  It  makes  for  inefficiency  in  the  public  service,  by  making  diffi- 
cult the  dismissal  of  incompetent  employees. 

3.  It  is  disadvantageous  to  the  employees,  because  it  influences 
adversely  the  wage  of  the  employee. 

4.  It  encourages  a  demand  for  non-contributory  pensions  for  all 
aged  persons. 

In  past  pension  legislation  the  cost  was  usually  concealed  by  want 
of  actuarial  estimate.  This  is  strikingly  illustrated  by  the  experi- 
ence of  the  Permanent  School  Pension  Fund  of  the  city  of  Boston, 
which  was  established  in  1908.  It  is  based  on  a  cost  of  5  cents  for 
each  thousand  dollars'  valuation,  but  the  actuarial  examination  made 
for  the  commission,  as  given  in  chapter  III,  shows  its  cost  to  be 
almost  six  times  as  great.  Similarly,  the  Police  Pension  Fund  in 
the  city  of  ~New  York  shows  that  the  direct  contributions  by  the  city, 
to  cover  the  deficits,  increased  from  $193,946.26  in  1905  to  $1,320,- 
538.34  in  1913.  The  experience  of  "New  York,  with  its  teachers  and 
firemen's  pension  funds,  is  equally  startling.  It  is  usually  overlooked 
that  pension  systems  start  with  a  small  number  of  pensioners,  which 
is  increased  year  by  year  until  eventually  the  pension  roll  contains 
a  large  proportion  of  those  originally  in  the  service.  The  cost  rises 
correspondingly. 


184  COMMISSION  ON  PENSIONS.  [Apr. 

Under  a  non-contributory  system  the  employee  is  inclined  to  look 
upon  his  pension  as  a  deferred  wage,  or  a  compensation  paid  him  for 
a  service  in  which  his  wage  was  inadequate.  To  those  who  hold  this 
view  the  argument  against  the  dismissal  of  an  incompetent  employee 
who  thereby  forfeits  the  wages  which  have  been  deferred,  but  which 
he  has  nevertheless  earned,  is  strong  and  leads  to  the  retention  of 
the  incompetent  to  avoid  the  injustice.  Tinder  a  contributory  system, 
when  the  incompetent  employee  is  dismissed  and  his  savings  are  re- 
turned to  him,  the  argument  has  not  equal  force. 

The  non-contributory  pension  is  disadvantageous  to  employees  be- 
cause it  is  taken  into  account  in  fixing  the  wage  scale.  This  leads  to 
a  consideration  of  a  vital  question,  namely,  the  effect  of  pensions 
upon  wages.  Even  though  the  non-contributory  pension  cannot  be 
defended  as  a  deferred  wage,  nevertheless  it  is  invariably  taken  into 
account  sooner  or  later  in  adjusting  wages.  Whatever  may  have  been 
the  reason  for  the  establishment  of  a  pension  system  in  the  beginning, 
when  the  question  is  considered  of  granting  an  increase  of  pay,  the 
fact  that  the  service  is  bearing  the  burden  of  gratuitous  pensions, 
will  be  taken  into  consideration  by  the  officer  or  body  which  de- 
termines the  wage.  The  history  of  the  British  Civil  Service  pension 
shows  this  to  be  true.  Of  the  100,000  civil  servants  in  Great  Britain 
about  70,000  joined  an  organization  which  took  the  name  of  the 
Deferred  Pay  Committee.  These  employees  contended  not  only  that 
their  salaries  were  lower  than  they  would  have  been  had  the  pension 
system  not  been  adopted,  but  that  the  amount  withheld  from  their 
salaries  was  more  than  sufficient  to  pay  the  pensions.  In  consequence 
of  their  agitation  the  Courtney  Commission  was  appointed  in  1902, 
with  the  result  that  the  system  was  so  modified  as  to  make  it  virtually 
a  contributory  plan. 

The  commission  found  in  its  conferences  with  heads  of  depart- 
ments that  in  fixing  the  wage  schedule  the  pension  which  the  em- 
ployee may  receive  is  generally  taken  into  account.  The  pensionable 
employee  will,  in  time,  work  for  a  less  wage  than  he  would  receive 
if  it  were  not  for  the  promised  pension.  The  pension  and  the  wage 
should  be  kept  separate ;  the  employee  is  entitled  to  an  adequate  wage 
apart  from  the  pension,  and  has  a  right  to  have  it  paid  when  it  is 
earned. 

That  a  pension  is  a  deferred  wage  implies  that  the  employee  has 
earned  a  certain  wage,  part  of  which  is  retained  by  the  employer  to 


1914.]  HOUSE  —  No.  2450.  185 

be  paid  him  on  retirement  at  a  stated  age.  But  what  becomes,  under 
such  a  theory,  of  the  deferred  wages  earned  by  the  employee  who 
leaves  the  service  or  dies  ?  He  forfeits  that  part  of  his  wages  which 
has  not  been  paid  because  deferred,  and  the  forfeited  wages  become 
part  of  a  fund  from  which  are  paid  the  pensions  of  those  who  sur- 
vive to  the  pensionable  age.  This  is  in  fact  a  tontine  system  which 
is  to-day  condemned  by  the  best  insurance  laws. 

Looking  the  question  squarely  in  the  face,  would  the  employees 
assent  to  a  pension  upon  the  theory  of  deferred  wages,  and  consent 
that  part  of  their  wages  be  held  back  for  the  benefit  of  those  who  sur- 
vive to  the  pensionable  age?  Upon  such  a  theory  the  employee,  in 
order  to  recover  his  wages,  would  have  to  succeed  in  three  things: 
living  to  a  certain  age,  remaining  in  the  service  until  that  age,  and 
living  beyond  that  age  long  enough  to  get  back  the  value  of  his  con- 
tributions. 

The  non-contributory  pension  to  public  employees  encourages  a 
demand  for  the  same  kind  of  a  pension  for  all  superannuated  citi- 
zens. The  inadvisability  of  the  general  old-age  pension  has  already 
been  pointed  out,  and  perhaps  the  strongest  element  in  a  demand  for 
a  general  old-age  pension  is  the  fact  that  the  State  has  established 
non-contributory  pensions  for  its  public  employees.  A  noteworthy 
fact  in  this  connection  is  the  vote  in  the  cities  of  the  Commonwealth 
at  the  State  election  in  November,  1912,  upon  the  question  of  pen- 
sioning laborers  in  the  employ  of  cities  and  towns.  The  large  textile 
centers  of  the  State,  like  Lowell,  Lawrence,  New  Bedford  and  Fall 
River,  voted  against  the  adoption  of  the  act  to  pension  laborers. 
The  commission  believes  this  was  in  the  main  due  to  the  feeling 
among  mill  operatives  that  the  public  employee  was  already  favored 
beyond  the  private  employee,  and  no  more  entitled  to  receive  a 
pension  from  the  State  than  any  other  citizen  who  becomes  super- 
annuated. 

That  under  a  non-contributory  pension  the  public  employee  en- 
deavors to  extend  his  benefits  at  increased  cost  to  the  public  treasury 
needs  no  argument  in  the  light  of  experience  in  this  Commonwealth. 
The  continual  agitation  for  increased  benefits,  reduction  of  retire- 
ment age,  shortening  of  service  requirement,  and  inclusion  of  former 
employees,  with  the  supporting  pressure  in  favor  not  counterbalanced 
by  any  effective  representation  on  behalf  of  the  taxpayer,  has  created 
our  unequal  and  confused  system  of  pensions.  Unless  it  is  sup- 


186  .IL  COMMISSION  ON  PENSIONS.  [Apr. 

planted  by  a  uniform  and  universal  plan  based  upon  sound  and  per- 
manent principles,  with  equal  justice  to  all  public  employees,  our 
unsystematic  pension  system  will  involve  the  Commonwealth  in 
irremedial  difficulty. 

Such  a  plan  must  embody  as  its  fundamentals :  — 

1.  Compulsory   Saving.  —  Since   the   State,   through   compulsory 
saving,  obviates  the  difficulty  and  hardship  of  retiring  the  superan- 
nuated without  provision  for  dependent  old  age,  it  receives  benefit  by 
way  of  increased  efficiency,  and  should  assume  part  of  the  cost  of  a 
retirement  system. 

2.  Compulsory  Application.  —  The  experience  of  the  State  has 
demonstrated  in  pension  and  similar  legislation  that  voluntary  plans 
are  ineffectual  to  accomplish  practical  results. 

3.  Inclusion  of  all  public  employees  because  inefficiency  on  ac- 
count of  superannuation  is  not  peculiar  to  any  class  of  employees. 

4.  Centralized  administration,  for  reasons  of  economy  as  well  as 
for  statistical  information,  correlated  study  and  estimate  of  cost. 


1914.1  HOUSE  — No.  2450.  187 


CHAPTER  VI . 
PROPOSED  LEGISLATION. 

The  commission  presents  in  this  chapter  several  bills,  the  enact- 
ment of  which  by  the  General  Court  will  carry  into  effect  the  recom- 
mendations contained  in  this  report.  These  bills  are :  — 

1.  The  Massachusetts  Retirement  Act  (An  Act  to  establish  a  re- 
tirement system  for  employees  in  the  public  service). 

2.  An  Act  relating  to  payments  to  police  and  firemen,  or  their 
families,  in  case  of  disability  or  death. 

3.  An  Act  relating  to  retirement  of  justices  of  the  Supreme  Judi- 
cial Court. 

4.  An  Act  relative  to  the  Public  School   Teachers'   Retirement 
Fund  in  the  city  of  Boston. 

5.  An  Act  relative  to  the  Permanent  School  Pension  Fund  of  the 
city  of  Boston. 

6.  An  Act  relative  to  taxation  in  the  city  of  Boston. 

The  nature  of  these  bills  and  the  reasons  for  their  proposal  have 
already  been  set  forth  in  chapter  I.  of  this  report. 


1.  MASSACHUSETTS  RETIREMENT  ACT.  AN  ACT  TO  ESTAB- 
LISH A  RETIREMENT  SYSTEM  FOR  EMPLOYEES  IN  THE 
PUBLIC  SERVICE. 

Be  it  enacted,  etc.,  as  follows: 

PART  I. 

SECTION  1.  This  act  shall  be  known  as  the  Massachusetts  retire- 
ment act,  and  its  purpose  is  to  improve  the  efficiency  of  the  public 
service  by  the  retirement  of  superannuated  employees. 

SECTION  2.  The  following  words  and  phrases  as  used  in  this  act, 
unless  a  different  meaning  is  plainly  required  by  the  context,  shall 
have  the  following  meanings :  — 

(a)  "  Retirement  system  "  shall  mean  the  arrangement  provided 
in  this  act  for  the  payment  of  annuities. 

Z>     "  Retirement "  shall  mean  the  termination  of  service  at  the 


188  COMMISSION  ON  PENSIONS.  [Apr. 

age  of  retirement,  or  within  five  years  thereafter  as  provided  in  the 
act,  except  that  in  the  case  of  judges  it  shall  mean  resignation. 

(c)  "Annuities"  shall  mean  the  payments  for  life  derived  from 
funds  created  under  the  provisions  of  this  act 

(d)  "  The  retirement  commissioner  "  shall  mean  the  commissioner 
appointed  by  the  governor  as  provided  in  the  act. 

(e)  "  Employer "    shall   mean   the    commonwealth,    metropolitan 
district,  county,  city  or  town  by  which  the  employee  is  paid :  provided, 
however,  that  in  the  case  of  teachers,  all  deductions  made  from  their 
salary,  pay  or  compensation  shall  be  transferred  to  the  treasurer  of 
the  Commonwealth,  and  all  payments  made  under  the  provisions  of 
this  act,  except  the  deduction  from  salary,  pay  or  compensation,  shall 
be  made  by  the  commonwealth. 

(/)  "  Employee "  shall  mean  regular  and  permanent  employees 
whose  only  or  principal  employment  is  in  the  service  of  the  employer. 

(g)  u  Regular  interest "  shall  mean  interest  at  four  per  cent  com- 
pounded semi-annually  on  the  last  days  of  December  and  June  and 
reckoned  for  full  six  months'  periods. 

(h)  "  City  council  "  shall  mean  the  legislative  branch  of  the  city 
government,  whether  consisting  of  one  chamber  or  two. 

(i)  "  Public  school "  shall  mean  any  day  school  conducted  within 
the  commonwealth  under  the  order  and  superintendence  of  a  duly 
elected  school  committee,  and  also  any  day  school  conducted  under 
the  provisions  of  chapter  four  hundred  and  seventy-one  of  the  acts 
of  the  year  nineteen  hundred  and  eleven. 

(j)  "  Teacher  "  shall  mean  any  teacher,  principal,  supervisor  or 
superintendent  employed  by  a  school  committee,  or  board  of  trustees, 
or  the  commonwealth  in  a  public  school  within  the  commonwealth. 

(&)  "  Police  "  shall  mean  the  superintendent  and  deputy  superin- 
tendent, chief  or  officer  corresponding  thereto,  chief  inspector,  cap- 
tain, inspector,  lieutenant,  sergeant,  patrolman,  marine  engineer 
or  marine  fireman  in  every  regularly  organized  police  department. 

(I)  "  Fireman  "  shall  mean  chief  of  department,  assistant  chief, 
district  chief,  captain,  lieutenant,  engineer,  assistant  engineer,  hose- 
man,  ladderman  and  fireman  in  every  regularly  organized  fire  depart- 
ment. 

SECTION"  3.  The  retirement  system  shall  be  established  on  the  first 
day  of  January  next  following  the  passage  of  this  act. 

SECTION  4.    This  act  shall  apply  to  the  commonwealth,  to  the  met- 


1914.]  HOUSE  — No.  2450.  189 

ropolitan  district,  to  every  county  in  the  commonwealth,  to  all  cities, 
to  every  town  of  over  ten  thousand  population,  as  determined  by  the 
last  census  of  the  commonwealth,  and  to  towns  of  less  than  ten  thou- 
sand population  only  as  to  teachers:  provided,  that  any  town  which 
may  hereafter  have  a  population  of  over  ten  thousand,  as  determined 
by  the  census  of  the  commonwealth,  shall  come  within  the  provisions 
of  this  act :  and  further  provided,  that  any  town  of  less  than  ten  thou- 
sand population  shall  come  within  the  provisions  of  this  act,  if  a 
majority  of  the  voters  voting  thereon  at  an  annual  town  meeting  shall 
vote  in  the  affirmative  that  this  act  shall  take  effect  in  such  town, 
and  in  that  case  the  act  shall  take  effect  ninety  days  from  the  date 
of  said  vote. 

SECTION  5.  The  retirement  act  shall  include,  subject  to  the  excep- 
tions provided  in  the  following  section :  — 

(a)  All  employees  of  the  commonwealth. 

(b)  All  employees  of  the  metropolitan  district. 

(c)  All  employees  of  the  counties  of  the  commonwealth. 

(d)  All  employees  of  cities. 

(e)  All  employees  of  towns,  including  fire  and  water  districts  in 
towns,  to  which  this  act  applies. 

SECTION  6.     The  following  classes  of  employees  shall  not  be  in- 
cluded within  the  provisions  of  this  act :  — 
(a)   Justices  of  the  Supreme  Judicial  Court. 
(&)   All  elective  officers. 

(c)  Employees  appointed  for  a  definite  term  of  years  by  the  gov- 
ernor, the  mayors  of  cities,  and  boards  of  selectmen  of  towns. 

(d)  Veterans  except  as  provided  in  Part  IV. 

SECTION  7.  Every  employee  to  whom  this  act  applies,  except  as 
provided  in  the  following  section,  who  shall  continue  in  the  service 
of  the  employer  after  the  passage  of  this  act,  as  well  as  every  person 
to  whom  this  act  applies  who  may  hereafter  become  an  employee,  shall 
be  deemed  to  consent  and  agree  to  the  deductions  made  and  provided 
for  herein  and  to  all  other  provisions  of  this  act  and  any  amendments 
thereof.  Payment,  less  said  deduction,  shall  be  a  full  and  complete 
discharge  and  acquittance  of  all  claims  or  demands  whatsoever  for 
service  rendered  by  such  person  during  the  period  covered  by  such 
payment,  notwithstanding  any  other  law,  rule  or  regulation  affecting 
the  salary,  pay  or  compensation  of  any  person  or  persons  to  whom  this 
act  applies. 


190  COMMISSION  ON  PENSIONS.  [Apr. 

SECTION  8.  Any  employee  at  the  time  of  the  passage  of  this  act, 
to  whom  this  act  applies,  may,  within  sixty  days,  give  notice  to  the 
employer  that  he  does  not  desire  to  come  within  the  provisions  of  the 
act,  and  he  shall  thereby  be  deemed  to  have  elected  not  to  continue 
in  the  service  of  the  employer,  and  his  employment  shall  cease  within 
ninety  days  from  the  receipt  of  such  notice. 


PART  II. 

MANAGEMENT  OF  SYSTEM. 

SECTION  1.  There  shall  be  a  retirement  commissioner  for  the 
commonwealth  appointed  by  the  governor  with  the  advice  and  consent 
of  the  council,  who  shall  hold  the  office  for  the  term  of  three  years 
from  the  date  of  his  commission  and  until  his  successor  is  appointed 
and  qualified.  He  may  be  removed  by  the  governor.  He  shall  give 
bond  with  sureties  in  the  sum  of  ten  thousand  dollars,  to  be  approved 
by  the  treasurer  and  receiver-general,  for  the  faithful  performance 
of  his  duties,  and  shall  receive  in  full  compensation  for  his  services 
an  annual  salary  to  be  fixed  by  the  governor  with  the  consent  of  the 
council.  The  retirement  commissioner  shall  devote  his  whole  time  to 
the  duties  of  the  office. 

SECTION  2.  The  commissioner  may,  with  the  approval  of  the  gov- 
ernor and  council,  appoint,  and  with  the  consent  of  the  governor 
remove,  a  deputy  commissioner  to  assist  him  with  his  duties,  who 
shall  receive  an  annual  salary  of  twenty-five  hundred  dollars.  In 
case  a  vacancy  in  the  office  of  commissioner  occurs,  and  during  the 
absence  or  disability  of  that  officer,  the  deputy  commissioner  shall 
perform  the  duties  of  the  office.  The  commissioner  may  employ  in 
his  department  such  additional  clerks  and  assistants  as  the  public 
duties  in  his  charge  may  require,  at  an  expense  not  to  exceed  such 
amount  as  the  general  court  may  appropriate  each  year. 

SECTION  3.  The  management  of  the  retirement  system  in  this 
act  is  vested  in  the  retirement  commissioner,  and  all  retirements  shall 
be  made  by  him.  ~No  pension  or  annuity  provided  by  this  act  shall 
be  paid  by  the  commonwealth,  or  any  county,  city,  town  or  district 
therein,  except  upon  the  certificate  of  the  retirement  commissioner 
duly  filed. 

SECTION  4-.  The  retirement  commissioner  shall,  for  the  purposes 
of  this  act,  prescribe  one  or  more  mortality  tables,  and  shall  deter- 


1914.]  HOUSE  — No,  2450.  191 

mine  what  rate  of  interest  shall  be  established  in  connection  with  such 
tables,  and  may  later  prescribe  other  tables  or  another  rate  of  interest 
and  may  determine  the  application  of  the  change  so  made. 

He  shall  also  prescribe  and  supervise  the  method  of  bookkeeping 
in  connection  with  the  retirement  system  provided  for  in  this  act, 
and  shall  furnish  to  each  department  of  the  commonwealth  and  to 
each  county,  city,  town  or  district  in  the  commonwealth,  or  any  de- 
partment thereof,  blanks  in  such  form  as  he  may  approve  for  retire- 
ments and  such  other  information  as  he  may  deem  proper. 

SECTION  5.  For  the  purposes  aforesaid  the  retirement  commis- 
sioner, either  personally  or  by  deputy,  or  assistant,  shall  at  least  once 
every  year  make  examination  of  and  have  access  to  all  books,  papers 
and  securities  of  any  department  of  the  commonwealth  or  any  county, 
city,  town  or  district  therein.  He  shall  at  least  once  in  every  five 
years  cause  an  actuarial  examination  to  be  made  of  the  annuity  funds. 
He  may  summon  and  administer  oaths  to  and  examine  as  witnesses 
any  persons  relative  to  the  financial  affairs,  transactions  and  condi- 
tions of  the  retirement  system  provided  for  by  this  act. 

SECTION  6.  The  retirement  commissioner  shall  preserve  in  a  per- 
manent form  a  record  of  his  proceedings,  including  a  statement  of 
the  result  of  his  official  examination  of  the  retirement  system  pro- 
vided for  in  this  act,  and  shall  annually  and  as  early  as  consistent 
with  full  and  accurate  preparation,  make  a  report  to  the  general 
court  of  his  official  transactions,  and  shall  include  in  such  report  a 
statement  of  the  receipts  and  expenditures  of  his  department  for  the 
preceding  year  and  of  the  financial  condition  and  business  transac- 
tions of  the  retirement  system  as  disclosed  by  official  examination  of 
the  same  or  by  their  annual  statements,  abstracts  of  which  shall 
appear  therein,  and  such  other  information,  statistics  and  recom- 
mendations as  he  may  think  proper. 

SECTION  7.  If  in  the  judgment  of  the  retirement  commissioner 
any  county,  city,  town  or  district,  or  any  official  thereof,  or  any 
official  of  the  commonwealth,  has  violated  or  neglected  to  comply 
with  any  of  the  provisions  of  this  act  or  with  the  rules  and  regulations 
established  by  the  retirement  commissioner  thereunder,  he  shall  give 
notice  thereof  to  the  county,  city,  town  or  district,  or  official  thereof, 
or  official  of  the  state,  and  thereafter,  if  such  violation  or  neglect 
continues,  shall  forthwith  present  the  facts  to  the  attorney-general 
for  his  action. 


192  COMMISSION  ON  PENSIONS.  [Apr. 

SECTION  8.  The  retirement  commissioner  shall  have  power  to 
make  rules  and  regulations,  subject  to  the  approval  of  the  governor, 
not  inconsistent  with  the  provisions  of  this  act,  and  shall  perform 
such  other  functions  as  are  required  for  the  execution  of  the  provi- 
sions of  this  act. 

PAET  III. 

ANNUITY  AND   RETIREMENT    PLAN. 

SECTION  1.  Beginning  with  the  first  day  of  January  next  follow- 
ing the  passage  of  this  act  there  shall  be  deducted  and  withheld  from 
the  salary,  pay  or  compensation  of  every  employee  to  whom  this  act 
applies,  whenever  the  same  is  payable,  five  per  cent  of  such  salary, 
pay  or  compensation:  provided,  that  such  deduction  shall  be  made 
only  during  the  first  twenty-five  years  of  service;  and  further  pro- 
vided, that  any  employee  who  receives  more  than  two  thousand  dol- 
lars annually  in  salary,  pay  or  compensation  shall  not  be  assessed  for 
contributions  on  the  excess  above  that  amount,  and  further  provided, 
that  no  such  deductions  shall  be  made  in  the  case  of  employees  who 
begin  service  when  they  have  reached  an  age  which  is  within  ten 
years  of  the  retirement  age. 

SECTION  2.  The  amounts  so  deducted  and  withheld  from  the  sal- 
ary, pay  or  compensation  of  each  employee  shall  be  deposited  by  the 
treasurer  of  the  employer  in  the  retirement  fund  of  the  employer, 
and  shall  be  credited  to  the  individual  account  of  the  employee  from 
whose  salary,  pay  or  compensation  the  deductions  are  made,  except 
that  the  amounts  deducted  from  the  salary,  pay  or  compensation  of 
teachers  shall  be  transferred  at  the  time  the  deductions  are  made  by 
the  treasurer  of  the  employer  to  the  treasurer  of  the  commonwealth, 
and  shall  be  deposited  by  him  in  the  retirement  fund  of  the  com- 
monwealth. 

Oil  the  last  day  of  June  and  December  in  each  year  the  treasurer 
of  the  employer,  and  in  the  case  of  teachers  the  treasurer  of  the  com- 
monwealth, shall  credit  the  account  of  each  employee  with  regular 
interest  accrued  thereon. 

SECTION  3.  (a)  The  employer  shall  appropriate  annually  such 
an  amount  as  may  be  necessary  to  defray  any  expenses  of  adminis- 
tration. 

(&)  Beginning  with  the  completed  tenth  year  of  service  of  each 
employee,  and  continuing  until  the  completion  of  twenty-five  years 


1914.]  HOUSE  — No.  2450.  193 

of  service  of  such  employee,  or  such  part  of  it  as  remains  prior  to 
his  death,  separation  or  retirement,  the  employer  shall  each  year 
appropriate  and  pay  to  its  treasurer,  to  be  deposited  in  the  retirement 
fund,  such  an  amount,  as  estimated  by  the  retirement  commissioner, 
that  with  regular  interest  will  equal  the  estimated  amount  of  the 
employee's  contributions  with  regular  interest  at  the  completion  of 
twenty-five  years  of  service. 

(c)  The  employer  shall  appropriate  annually  such  an  amount  as 
may  be  required  to  make  any  payments  in  accordance  with  the  pro- 
visions of  section  fifteen  of  Part  III. 

(d)  In  case  the  amount  appropriated  by  the  employer  in  any  year 
should  prove  insufficient  for  the  purposes  of  this  act,  as  determined 
by  the  retirement  commissioner,  the  employer  shall  appropriate  in 
the  following  year  such  an  additional  sum  as  may  be  required  to 
cover  the  deficit ;  in  case  there  is  any  surplus  from  the  appropriation 
of  the  preceding  year,   as  determined  by  the  retirement  commis- 
sioner, the  appropriation  for  the  following  year  shall  be  reduced  by 
such  surplus. 

SECTION  4.  When  an  employee  is  retired  upon  an  annuity  the 
amount  provided  in  this  act  for  the  payment  of  such  annuity  shall 
be  transferred  to  a  fund  called  the  annuity  fund. 

SECTION  5.  All  funds  created  under  this  act  shall  be  invested  in 
such  securities  except  personal  securities  as  are  permitted  by  the  laws 
of  Massachusetts  for  the  investment  of  funds  of  savings  banks. 

SECTION  6.  The  retirement  age  for  all  employees  shall  be  sixty- 
five  years,  except  that  for  policemen  and  firemen  the  retirement  age 
shall  be  sixty  years :  provided,  that  nothing  contained  in  this  section 
shall  apply  to  judges. 

SECTION  Y.  If,  within  thirty  days  before  the  arrival  of  an  em- 
ployee at  the  age  of  retirement,  the  head  of  the  department  or  the 
officer  in  control  of  the  department  in  which  such  employee  is  em- 
ployed certifies  to  the  retirement  commissioner  that  he  is  efficient  and 
willing  to  remain  in  the  service,  and  that  the  continuance  of  such 
employee  therein  would  be  advantageous  to  the  public  service,  such 
employee  may  be  retained  upon  approval  of  the  retirement  commis- 
sioner for  a  term  not  exceeding  one  year,  and  at  the  end  of  one  year 
he  may,  by  a  similar  certification,  be  continued  for  an  additional 
term  of  one  year,  and  so  on ;  but  no  employee  shall  be  retained  in 
the  public  service  who  has  attained  an  age  of  five  years  beyond  the 


194  COMMISSION  ON  PENSIONS.  [Apr, 

retirement  age.  Unless  such  certification  is  made  the  employee  shall 
be  retired  at  the  retirement  age. 

SECTION  8.  Every  employee  to  whom  this  act  applies  shall  upon 
retirement  receive  from  the  annuity  fund  such  an  annuity  as  the 
sum  of  his  contributions  with  regular  interest,  together  with  the 
amount  with  regular  interest  appropriated  on  his  account  by  the 
employer  according  to  the  provisions  of  this  act,  shall  entitle  him, 
according  to  the  mortality  tabl£  adopted  by  the  retirement  commis- 
sioner, in  one  of  the  following  forms :  — 

(a)  An  annuity  payable  monthly. 

(5)  An  annuity  payable  monthly,  with  the  provision  that  in  case 
of  the  death  of  the  annuitant  before  he  has  received  in  annuities  the 
amount  of  his  contributions  with  regular  interest  the  balance  shall  be 
paid  to  a  beneficiary  designated  at  the  time  of  his  retirement,  or,  in 
the  absence  of  such  designation,  to  his  legal  representatives. 

SECTION"  9.  Any  employee  who  is  certified  by  a  physician  desig- 
nated by  the  employer  to  be  permanently  incapacitated,  either  men- 
tally or  physically,  for  further  performance  of  duty  may,  upon  ap- 
proval by  the  retirement  commissioner,  be  then  retired,  and  upon 
such  retirement  may  withdraw  his  contributions  with  regular  interest, 
or  receive  such  an  annuity  in  one  of  the  options  provided  in  section 
eight  of  Part  III  as  he  will  be  entitled  to  from  the  sum  of  the  follow- 
ing amounts :  — 

(1)  The  amount  of  his  contributions  with  regular  interest. 

(2)  The  amounts  already  appropriated  by  the  employer  on  his 
account  with  regular  interest. 

SECTION  10.  (a)  If  an  employee  dies  before  he  has  completed 
ten  years  of  service  there  shall,  be  paid  to  his  legal  representatives 
all  the  money  that  has  been  contributed  by  him,  together  with  regular 
interest;  if,  however,  there  is  no  executor  or  administrator  of  the 
estate  of  such  deceased  employee,  all  sums  due  under  this  paragraph, 
not  exceeding  one  hundred  dollars,  may  be  paid  to  such  person  or 
persons  as  appear  in  the  judgment  of  the  retirement  commissioner 
to  be  entitled  to  the  proceeds  of  the  estate,  and  such  payment  shall 
be  a  bar  to  recovery  by  any  other  person. 

(6)  If  an  employee  dies  after  ten  years  of  service,  and  before  he 
has  become  an  annuitant,  there  shall  be  paid  to  his  legal  representa- 
tives all  the  money  that  has  been  contributed  by  him,  with  regular 
interest;  and  in  case  he  leaves  a  widow,  or  if  no  widow  any  child 


1914.]  HOUSE  —  No.  2450.  195 

or  children  under  sixteen  years  of  age,  there  shall  be  paid  to  such 
widow,  or  if  no  widow,  for  the  benefit  of  such  child  or  children,  a 
further  sum  equal  to  one  half  the  sum  which  at  the  time  of  his  death 
the  employer  has  appropriated  on  his  account. 

SECTION  11.  If  an  employee  separates  from  the  service  at  any 
time  before  he  becomes  an  annuitant  he  shall  withdraw  the  amount 
of  his  contributions  with  regular  interest,  but  if  he  has  performed 
ten  or  more  years  of  service  prior  to  his  separation  he  may  — 

(a)  Withdraw  his  contributions  with  regular  interest. 

(&)  Leave  his  contributions  in  the  retirement  fund  and  when  he 
reaches  the  retirement  age  of  the  class  in  which  he  last  performed 
service  he  shall  receive  such  an  annuity  in  any  of  the  options  pro- 
vided in  section  eight  of  Part  III  as  he  shall  be  entitled  to  from  the 
amount  of  his  contributions  with  regular  interest,  together  with  the 
amount  appropriated  by  the  employer  on  his  account  with  regular 
interest. 

(c)  At  any  time  after  his  separation  from  the  service  withdraw 
the  amount  of  his  contributions  with  regular  interest  to  the  last 
interest  period. 

(d)  In  case  of  death  after  separation  from  the  service,  his  con- 
tributions with  regular  interest  to  the  last  interest  period  shall  be 
paid  to  his  legal  representatives. 

SECTION  12.  If  any  employee  who  has  separated  from  the  service 
and  withdrawn  his  contributions  subsequently  re-enters  the  services 
of  an  employer,  his  period  of  service  for  the  purposes  of  this  act  and 
of  making  deductions  from  his  salary,  pay  or  compensation,  shall  be 
reckoned  from  the  date  of  his  re-entering  the  service,  unless  he  shall 
within  ninety  days  from  the  date  of  re-entering  the  service  pay  to 
the  employer  the  amount  withdrawn  by  him,  in  which  case  the  same 
shall  be  credited  to  his  individual  account,  and  his  former  period  of 
service  shall  be  counted :  provided,  however,  that  if  his  former  service 
has  been  for  a  period  in  excess  of  ten  years,  the  former  service  shall 
be  counted  as  of  ten  years  and  the  amount  required  to  be  repaid 
shall  not  be  in  excess  of  ten  years'  contributions  with  regular  interest. 
If  such  employee  has  not  withdrawn  his  contributions  at  the  date  of 
re-entering  the  service  he  shall  be  credited  with  his  former  service. 

SECTION  13.  Any  employee  who  shall  cease  to  be  employed  by 
one  employer  and  shall  subsequently  be  employed  by  another  em- 
ployer, and  who  has  not  withdrawn  his  contributions,  shall  immedi- 


196  COMMISSION  ON  PENSIONS.  [Apr. 

ately  give  notice  to  the  new  employer  that  he  has  been  employed 
under  the  provisions  of  this  act,  and  thereupon  the  former  employer 
shall  by  its  treasurer  transfer  to  the  new  employer  the  contributions 
of  such  employee  with  regular  interest,  together  with  any  amount 
which  has  been  appropriated  by  the  employer  according  to  the  pro- 
visions of  this  act,  but  the  latter  amount  shall  be  returned  to  the 
former  employer  in  case  the  employee  withdraws  his  contributions 
before  retirement  or  dies  in  the  service;  but  in  case  payments  arc 
made  to  widow  or  children  as  provided  in  section  ten  of  Part  III 
paragraph  (&),  then  only  one  half  such  amount  shall  be  returned 
to  the  former  employer. 

SECTION  14.  (a)  All  moneys  contributed  prior  to  the  passage  of 
this  act  by  employees  of  the  commonwealth,  by  virtue  of  the  pro- 
visions of  chapter  five  hundred  and  thirty-two  of  the  acts  of  the  year 
nineteen  hundred  and  eleven,  and  any  acts  in  amendment  thereof, 
may  be  withdrawn  within  ninety  days  after  the  passage  of  this  act 
with  interest  accrued  thereon,  and  if  not  withdrawn  said  moneys 
shall  be  credited  to  the  individual  account  of  each  employee  according 
to  the  provisions  of  this  act,  and  all  such  funds  held  by  the  treasurer 
of  the  commonwealth  ninety  days  after  the  passage  of  this  act, 
including  any  and  all  investments  and  securities  belonging  to  said 
funds,  shall  be  administered  and  distributed  according  to  the  pro- 
visions of  this  act. 

(&)  All  moneys  contributed  prior  to  the  passage  of  this  act  by 
employees  of  counties  of  the  commonwealth,  by  virtue  of  the  pro- 
visions of  chapter  six  hundred  and  thirty-four  of  the  acts  of  the  year 
nineteen  hundred  and  eleven,  and  any  acts  in  amendment  thereof, 
may  be  withdrawn  within  ninety  days  after  the  passage  of  this  act, 
with  interest  accrued  thereon,  and  if  not  withdrawn  said  moneys  shall 
be  credited  to  the  individual  account  of  each  employee  according  to 
the  provisions  of  this  act,  and  all  such  funds  held  by  the  county 
treasurer  ninety  days  after  the  passage  of  this  act,  including  any 
and  all  investments  and  securities  belonging  to  said  funds,  shall  be 
administered  and  distributed  according  to  the  provisions  of  this  act. 

SECTION  15.  Any  employee  in  the  service  of  the  employer  at  the 
date  of  the  passage  of  this  act  who  was  included  within*  the  provisions 
of  any  former  act,  repealed  by  this  act,  including  chapter  eight  hun- 
dred and  thirty-two  of  the  acts  of  the  year  nineteen  hundred  and 
thirteen,  providing  upon  retirement  annuities  and  pensions  for  such 


1914.]  HOUSE  — No.  2450.  197 

employee,  shall  receive  on  retirement,  (a)  if  he  has  performed  service 
for  twenty-five  years  prior  to  the  passage  of  this  act,  such  additional 
sum,  if  any  be  necessary,  as  will  make  his  annuity  equal  to  one 
half  the  salary,  pay  or  compensation  received  by  him  during  the 
year  preceding  the  date  of  the  passage  of  this  act;  or  (&)  if  he 
has  performed  less  than  twenty-five  years  of  service  prior  to  the 
passage  of  this  act,  such  additional  sum,  if  any  be  necessary,  as  will 
make  his  annuity  such  proportion  of  one  half  the  salary,  pay  or 
compensation  received  by  him  during  the  year  preceding  the  date 
of  the  passage  of  this  act  as  his  years  of  service  at  the  date  of  the 
passage  of  this  act  bears  to  twenty-five  years :  provided,  however,  that 
the  additional  sums  as  provided  in  (a)  and  (6)  of  this  section  shall 
not  increase  the  annuity  payable  to  any  one  person  beyond  one 
thousand  dollars. 

SECTION  16.  If  it  is  impracticable  for  the  employer  to  determine 
the  length  of  service  or  salary,  pay  or  compensation  of  any  employee, 
the  same  shall  be  estimated  by  the  employer  subject  to  review  by 
the  retirement  commissioner  upon  appeal  by  the  employee. 


PART  IV. 

MISCELLANEOUS  PROVISIONS. 

SECTION  1.  A  veteran  of  the  civil  war  in  the  service  of  the  com- 
monwealth or  any  county,  city  or  town  in  the  commonwealth,  or  in 
the  service  of  the  Soldiers7  Home,  if  incapacitated  for  active  duty, 
upon  his  request  shall  be  retired  from  active  service  by  the  retire- 
ment commissioner,  and  shall  thereafter  receive  an  annual  pension 
at  one  half  the  rate  of  compensation  paid  to  him  at  the  time  of  his 
retirement,  to  be  paid  out  of  the  treasury  of  the  employer :  provided, 
that  no  veteran  shall  be  entitled  to  be  retired  under  the  provisions 
of  this  section  unless  he  shall  have  been  in  the  service  of  the  employer 
for  at  least  ten  years;  and  further  provided,  that  in  the  case  of 
janitors  in  the  employ  of  school  committees  the  rate  of  pension  shall 
be  based  upon  the  net  compensation  of  such  employees  as  determined 
by  the  school  committee. 

SECTION  2.  Any  person  who  shall  be  in  receipt  of  an  annuity  or 
pension  at  the  time  of  the  passage  of  this  act  by  virtue  of  the  pro- 
visions of  any  former  act  or  acts  now  repealed  shall  continue  to 
receive  the  pension  or  annuity  hereafter  in  the  same  amount  and 


198  COMMISSION  ON  PENSIONS.  [Apr. 

manner  as  lie  was  receiving  at  the  time  of  the  passage  of  this  act, 
and  nothing  contained  in  this  act  shall  affect  such  pension  or  annuity. 

SECTION  3.  No  person  who  now  or  hereafter  receives  a  pension 
or  an  annuity  from  any  employer  shall  be  paid  for  any  service,  ex- 
cept service  as  juror,  rendered  by  him  to  an  employer  after  the  date 
of  the  first  payment  of  such  pension  or  annuity. 

SECTION  4.  Nothing  contained  in  this  act  shall  affect  the  right 
or  power  of  the  employer  in  regard  to  the  removal  or  suspension  of 
any  employee. 

SECTION  5.  That  portion  of  the  salary,  pay  or  compensation  of 
an  employee  deducted  or  to  be  deducted  under  this  act,  all  annuities 
and  all  his  rights  in  the  funds  of  the  retirement  system,  shall  be 
exempt  from  taxation  and  from  the  operation  of  any  laws  relating 
to  bankruptcy  or  insolvency,  and  shall  not  be  attached  or  taken  upon 
execution  or  other  process  of  any  court.  No  assignment  of  any  right 
in  or  to  said  funds  shall  be  valid.  The  funds  of  the  retirement  sys- 
tem, so  far  as  invested  in  personal  property,  shall  be  exempt  from 
taxation. 

SECTION  6.  In  any  question  involving  length  of  service  or  the 
amount  of  annuity  to  be  paid  under  the  provisions  of  this  act,  the 
decision  of  the  retirement  commissioner  shall  be  final. 

SECTION  7.  The  superior  court  shall  have  jurisdiction  in  equity 
upon  the  petition  of  the  retirement  commissioner  or  any  interested 
party  to  compel  the  observance  and  restrain  violation  of  this  act  and 
of  the  rules  and  regulations  established  hereunder. 

SECTION  8.  Section  five  of  chapter  two  hundred  and  forty-four 
of  the  acts  of  the  year  eighteen  hundred  and  seventy-eight;  chapter 
ninety-seven  of  the  acts  of  the  year  eighteen  hundred  and  seventy- 
nine  ;  chapter  one  hundred  and  seven  of  the  acts  of  the  year  eighteen 
hundred  and  eighty;  chapter  twenty-two  of  the  acts  of  the  year 
eighteen  hundred  and  eighty-one;  chapter  fourteen  of  the  acts  of 
the  year  eighteen  hundred  and  eighty-three;  chapter  one  hundred 
and  seventy-eight  of  the  acts  of  the  year  eighteen  hundred  and  eighty- 
seven;  chapter  one  hundred  and  seventy-four  of  the  acts  of  the  year 
eighteen  hundred  and  eighty-eight;  chapter  four  hundred  and  four 
of  the  acts  of  the  year  eighteen  hundred  and  ninety-one;  chapters 
three  hundred  and  forty-seven,  three  hundred  and  fifty-three  and 
three  hundred  and  seventy-eight  of  the  acts  of  the  year  eighteen  hun- 
dred and  ninety-two;  chapter  fifty-one  of  the  acts  of  the  year  eighteen 


1914.]  HOUSE  — No.  2450.  199 

hundred  and  ninety-three ;  chapters  one  hundred  and  seventy-two  and 
two  hundred  and  forty-six  of  the  acts  of  the  year  eighteen  hundred 
and  ninety-eight;  chapter  two  hundred  and  thirteen  of  the  acts  of 
the  year  eighteen  hundred  and  ninety-nine;  chapter  three  hundred 
and  six  of  the  acts  of  the  year  nineteen  hundred ;  sections  eighty-one 
and  eighty-two  of  chapter  thirty-two  of  the  Revised  Laws;  sections 
twenty-nine  to  thirty-one,  inclusive,  of  chapter  one  hundred  and  eight 
of  the  Eevised  Laws ;  chapters  three  hundred  and  twelve,  four  hun- 
dred and  twenty-eight  and  four  hundred  and  forty-nine  of  the  acts 
of  the  year  nineteen  hundred  and  three ;  chapters  three  hundred  and 
twenty-seven  and  four  hundred  and  two  of  the  acts  of  the  year  nine- 
teen hundred  and  four ;  chapters  four  hundred  and  seventy-four  and 
four  hundred  and  seventy-six  of  the  acts  of  the  year  nineteen  hundred 
and  six;  chapters  one  hundred  and  eighty-six  and  four  hundred  and 
fifty-eight  of  the  acts  of  the  year  nineteen  hundred  and  seven;  chap- 
ters one  hundred  and  seventy-nine,  four  hundred  and  ninety-eight, 
five  hundred  and  eighty-nine  and  six  hundred  and  one  of  the  acts 
of  the  year  nineteen  hundred  and  eight ;  chapters  one  hundred  and 
eighty-eight,  three  hundred  and  ninety-eight,  four  hundred  and  fifty- 
three  and  five  hundred  and  thirty-seven  of  the  acts  of  the  year  nine- 
teen hundred  and  nine;  chapters  one  hundred  and  ninety-six,  four 
hundred  and  fifty-nine,  five  hundred  and  forty,  six  hundred  and 
seventeen  and  six  hundred  and  nineteen  of  the  acts  of  the  year  nine- 
teen hundred  and  ten;  chapters  ninety,  one  hundred  and  thirteen, 
two  hundred  and  thirty-one,  three  hundred  and  thirty-eight,  four 
hundred  and  thirteen,  five  hundred  and  four,  five  hundred  and 
twenty-seven,  five  hundred  and  thirty-two,  six  hundred  and  thirty- 
four,  six  hundred  and  seventy-three,  six  hundred  and  seventy-five, 
six  hundred  and  eighty-two  and  seven  hundred  and  twenty-five  of 
the  acts  of  the  year  nineteen  hundred  and  eleven ;  chapters  fifty-five, 
three  hundred  and  sixty-three,  three  hundred  and  ninety-five,  four 
hundred  and  forty-seven,  four  hundred  and  fifty-three,  five  hundred 
and  three,  five  hundred  and  sixty-nine,  five  hundred  and  seventy-four, 
seven  hundred  and  twenty-two  and  seven  hundred  and  twenty-three 
of  the  acts  of  the  year  nineteen  hundred  and  twelve;  chapters  sixty- 
three,  three  hundred  and  ten,  three  hundred  and  thirteen,  three  hun- 
dred and  sixty-seven,  four  hundred  and  eighty-seven,  five  hundred 
and  forty-five,  six  hundred  and  forty-two,  six  hundred  and  fifty- 
seven,  six  hundred  and  seventy-one,  six  hundred  and  eighty-one,  six 


200  COMMISSION  ON  PENSIONS.  [Apr. 

hundred  and  ninety-seven,  seven  hundred  and  eleven,  eight  hundred, 
eight  hundred  and  seventeen  and  eight  hundred  and  thirty-two  of 
the  acts  of  the  year  nineteen  hundred  and  thirteen,  and  all  other  acts 
and  parts  of  acts  inconsistent  herewith  are  hereby  repealed. 

SECTION  9.  The  repeal  of  a  law  by  this  act  shall  not  affect  any 
act  done,  ratified  or  confirmed,  or  any  right  accrued  or  established, 
or  any  action,  suit  or  proceeding  commenced  under  any  of  the  laws 
repealed  before  the  repeal  took  "effect. 

SECTION  10.    This  act  shall  take  effect  upon  its  passage. 


PKIOE   SEE  VICE. 

(To  be  inserted  as  sections  17  and  18  of  Part  III  if  credit  for 
prior  service  is  to  be  given  to  all  employees.) 

SECTION  17.  The  retirement  commissioner,  as  soon  as  practicable 
after  the  passage  of  this  act,  shall  require  the  employer  to  determine 
the  length  of  service  and  the  annual  salary,  pay  or  compensation 
during  prior  service  of  every  employee  in  service  at  the  time  of  the 
passage  of  this  act  to  whom  this  act  applies,  and  the  retirement  com- 
missioner shall  determine  what  amount  would  have  been  appropriated 
by  the  employer  on  the  employee's  account,  together  with  regular 
interest,  in  case  the  act  had  been  in  operation  at  the  time  when  the 
employee  entered  the  service  of  the  employer,  and  such  amount  shall 
be  appropriated  by  the  employer  and  paid  to  its  treasury  in  not 
more  than  fifteen  annual  payments,  to  be  deposited  in  the  retirement 
fund.  After  the  establishment  of  the  system  the  employer  shall 
appropriate  each  year  such  amount  as  together  with  the  amount 
appropriated  for  prior  service  will  be  sufficient  to  equal  at  the  com- 
pletion of  twenty-five  years  of  service  the  amount  the  employee  would 
have  contributed  with  regular  interest  if  the  act  had  been  in  effect 
at  the  time  he  entered  the  service. 

SECTION  18.  Any  employee  in  the  service  of  the  employer  at 
the  date  of  the  passage  of  this  act  — 

(a)  Who  has  reached  retirement  age,  shall  be  retired  within 
ninety  days,  unless  certified  according  to  the  provisions  of  section 
seven  of  Part  III,  and  shall  thereafter  receive  such  an  annuity  as 
he  is  entitled  to  from  the  sum  of  the  amounts  the  employer  would 
have  appropriated  on  his  account  with  regular  interest  if  this  act 
had  been  in  effect  at  the  time  he  entered  the  service. 


1914.]  HOUSE  — No.  2450.  201 

(b)  Who  has  not  reached  retirement  age  and  thereafter  retires 
or  is  retired,  shall  upon  his  retirement  receive  such  an  annuity  in 
one  of  the  options  provided  in  section  eight  of  Part  III  as  he  will 
be  entitled  to  from  the  sum  of  the  following  amounts :  — 

(1)  The  amount  of  his  contributions  with  regular  interest. 

(2)  The  amount  of  the  appropriations  of  the  employer  on  his 
account  with  regular  interest. 

(3)  An  amount  equal  to  the  amounts  with  regular  interest  which 
the  employer  would  have  appropriated  from  the  time  he  entered 
service  to  the  date  of  the  passage  of  this  act  if  this  act  had  been  in 
effect  at  the  time  he  entered  service. 


202  COMMISSION  ON  PENSIONS.  [Apr. 


2.  AN  ACT  RELATING  TO  PAYMENTS  TO  POLICE  AND  FIRE- 
MEN OR  THEIR  FAMILIES  IN  CASE  OF  DISABILITY  OR 
DEATH. 

Be  it  enacted,  etc.,  as  follows: 

SECTION  1.  If  a  policeman  *or  fireman  is  disabled  by  reason  of 
injuries  sustained  in  the  performance  of  his  duty  he  shall  receive 
his  full  salary,  pay  or  compensation  during  the  continuance  of  such 
disability  for  a  period  not  exceeding  one  year,  and  thereafter  he  shall 
receive  one  half  of  his  salary,  pay  or  compensation  during  the  con- 
tinuance of  such  disability:  provided,  however,  that  such  payments 
shall  cease  whenever  he  is  required  to  perform  active  service  after 
examination  by  a  physician  designated  by  the  head  of  the  depart- 
ment in  which  he  was  last  employed. 

SECTION  2.  If  a  policeman  or  fireman  shall  die  from  injuries 
received  in  the  discharge  of  his  duty  and  shall  leave  a  widow  or  any 
child  or  children  under  the  age  of  sixteen  years,  a  sum  equal  to 
twenty-five  per  cent  of  the  salary,  pay  or  compensation  received  by 
such  policeman  or  fireman  at  the  time  of  his  death  shall  be  paid  as 
an  annuity  to  his  widow,  so  long  as  she  remains  unmarried,  and  a 
further  sum  of  ten  per  cent  of  such  salary,  pay  or  compensation  shall 
be  paid  as  an  annuity  for  the  benefit  of  each  child  under  sixteen 
years  of  ago  of  such  deceased  person  so  long  as  such  child  is  under 
sixteen  years  of  age,  provided  that  the  annuities  for  children  of  such 
deceased  person  shall  not  exceed  thirty  per  cent  of  his  salary,  pay 
or  compensation. 

SECTION  3.  No  person  shall  receive  any  payments  provided  in 
this  act  who  shall  claim  compensation  under  the  provisions  of  chapter 
eight  hundred  and  seven  of  the  acts  of  the  year  nineteen  hundred 
and  thirteen  or  any  amendment  thereof. 

SECTION  4.  Payments  provided  by  this  act  shall  be  made  in  the 
same  manner  as  payments  of  salary,  pay  or  compensation  to  firemen 
and  policemen  in  active  service. 

SECTION  5.  When  any  policeman  or  fireman  in  any  town  in 
which  there  is  no  regularly  organized  police  or  fire  department,  or 
any  officer  or  member  in  active  service  of  any  incorporated  protective 
department  acting  in  concert  with  fire  departments,  or  any  person 


1914.]  HOUSE  —  No.  2450.  203 

doing  police  or  fire  duty  at  the  request  or  upon  the  order  of  the 
authorities  of  any  town  having  no  organized  police  or  fire  department, 
is  killed  or  dies  within  sixty  days  from  injuries  received  while  in 
the  discharge  of  his  duty  as  such  policeman  or  fireman,  and  the 
fact  of  such  death  is  certified  by  the  city  or  town  clerk  and  the 
attending  physician  or  medical  examiner  to  the  treasurer  of  the 
commonwealth,  said  treasurer  shall  pay  to  the  executor  or  adminis- 
trator of  such  deceased  fireman  or  policeman  the  sum  of  one  thousand 
dollars  for  the  use  of  his  widow,  or  if  there  is  no  widow,  for  the  use 
of  his  minor  children,  or  if  there  is  no  widow  or  minor  child,  for  the 
use  of  the  next  of  kin.  All  sums  paid  under  this  section  shall  be 
paid  from  the  treasury  of  the  commonwealth. 

SECTION  6.  This  act,  except  section  five,  shall  apply  to  the  police- 
men and  firemen  in  every  regularly  organized  police  department  or 
fire  department  in  any  city  or  town  in  the  commonwealth,  to  the 
police  of  the  metropolitan  park  department  and  to  the  district  police 
of  the  commonwealth. 

SECTION  7.  Chapter  two  hundred  and  forty-six  of  the  acts  of 
the  year  eighteen  hundred  and  ninety-eight;  sections  seventy-one  to 
seventy-seven,  inclusive,  of  chapter  thirty-two  of  the  Revised  Laws; 
chapters  one  hundred  and  eight  and  four  hundred  and  thirty-seven  of 
the  acts  of  the  year  nineteen  hundred  and  two ;  chapter  two  hundred 
and  fifty-three  of  the  acts  of  the  year  nineteen  hundred  and  three; 
chapter  one  hundred  and  seventy-one  of  the  acts  of  the  year  nineteen 
hundred  and  six;  and  all  other  acts  and  parts  of  acts  inconsistent 
herewith  are  hereby  repealed. 

SECTION  8.  The  repeal  of  a  law  by  this  act  shall  not  affect  any 
act  done,  ratified  or  confirmed  or  any  right  accrued  or  established, 
or  any  action,  suit  or  proceedings  commenced  under  any  of  the  laws 
repealed  before  the  repeal  took  effect. 

SECTION  9.    This  act  shall  take  effect  upon  its  passage. 


204  COMMISSION  ON  PENSIONS.  [Apr. 


3.     AN  ACT  RELATING  TO  RETIREMENT   OF  JUSTICES   OF  THE 
SUPREME   JUDICIAL    COURT. 

Be  it  enacted,  etc.,  as  follows: 

SECTION  1.  Section  ten  of  chapter  one  hundred  and  fifty-eight 
of  the  Revised  Laws  is  hereby  amended  by  striking  out  the  word 
"  either  ",  in  the  first  line,  and  inserting  in  place  thereof  the  words : 

—  supreme  judicial  court,  —  by  striking  out  the  words  "  in  either 
or  both  of  said  courts  ",  in  the  second  line ;  by  adding  after  the  word 
"  years  ",  in  the  third  line,  the  words :  —  including  service  in  the 
superior  court,  —  by  striking  out  the  word  "  courts  ",  in  the  last  line, 
and  inserting  in  place  thereof  the  words:  —  supreme  judicial  court, 

—  so  that  said  section  shall  read  as  follows:  —  Section  10.     A  jus- 
tice of  the  supreme  judicial  court  who,  having  attained  the  age  of 
seventy  years  and  having  served  for  at  least  ten  consecutive  years, 
including  service  in  the  superior  court,  resigns  his  office,  shall  during 
the  remainder  of  his  life  receive  an  amount  equal  to  three  fourths 
of  his  salary  which  is  by  law  payable  to  him  at  the  time  of  his  resig- 
nation, to  be  paid  by  the  commonwealth  in  the  same  manner  as  the 
salaries  of  justices  of  said  supreme  judicial  court  #re  paid. 

SECTION  2.  Section  eleven  of  said  chapter  one  hundred  and  fifty- 
eight  is  hereby  amended  by  striking  out  the  word  "  either  ",  in  the 
first  line,  and  inserting  in  place  thereof  the  words :  —  supreme 
judicial  court,  —  by  striking  out  the  words  "  in  either  or  both  of 
said  courts  ",  in  the  second  line ;  by  adding  after  the  word  "  years  ", 
in  the  third  line,  the  words :  —  including  service  in  the  superior 
court,  —  so  that  said  section  shall  read  as  follows:  —  Section  11.  A 
justice  of  the  supreme  judicial  court  who  having  attained  the  age 
of  sixty  years  and  having  served  for  at  least  fifteen  consecutive  years, 
including  service  in  the  superior  court,  shall  have  become  disabled 
for  full  performance  of  his  duties  as  such  justice  by  reason  of  illness, 
may,  with  the  approval  of  the  governor  and  council,  resign  his 
office  under  the  provisions  of  this  section  and  shall  thereafter,  during 
the  remainder  of  his  life,  receive  the  same  amount,  and  in  the 
manner  provided  in  the  preceding  section. 


1914.]  HOUSE  — No.  2450.  205 


4.     AN    ACT    RELATIVE    TO    THE    PUBLIC    SCHOOL    TEACHERS' 
RETIREMENT   FUND    IN   THE    CITY    OF    BOSTON. 

Be  it  enacted,  etc.,  as  follows: 

SECTION  1.  Section  five  of  chapter  two  hundred  and  thirty-seven 
of  the  acts  of  the  year  nineteen  hundred  is  hereby  amended  by  adding 
after  the  word  "  provided  ",  in  the  last  line,  the  words :  — provided 
that  such  reservation  from  salary  shall  not  be  made  from  the  salary 
of  any  teacher  who  is  elected  after  the  first  day  of  January,  nineteen 
hundred  and  fifteen,  or  any  teacher  who  gives  notice  in  writing  to  the 
superintendent  of  schools  within  ninety  days  from  the  first  day  of 
January  in  the  year  nineteen  hundred  and  fifteen  that  she  elects  not 
to  come  within  the  provisions  of  the  act,  —  so  that  said  section  shall 
read  as  follows :  —  Section  5.  Beginning  with  the  monthly  pay- 
ments in  November  in  the  year  nineteen  hundred  the  city  treasurer 
of  the  city  of  Boston  shall  reserve  from  the  salary  of  each  teacher 
who  has  come  under  the  provisions  of  this  act  the  sum  of  three  dol- 
lars, and  in  every  alternate  monthly  payment  thereafter  shall  reserve 
the  same  sum,  and  shall  pay  the  sums  so  reserved  into  the  school 
teachers'  retirement  fund,  as  herein  provided:  provided,  that  such 
reservation  from  salary  shall  not  be  made  from  the  salary  of  any 
teacher  who  is  elected  after  the  first  day  of  January,  nineteen  hun- 
dred and  fifteen,  or  any  teacher  who  gives  notice  in  writing  to  the 
superintendent  of  schools  within  ninety  days  from  the  first  day  of 
January  in  the  year  nineteen  hundred  and  fifteen  that  she  elects  not 
to  come  within  the  provisions  of  the  act. 

SECTION  2.  Section  six  of  said  chapter  two  hundred  and  thirty- 
seven  is  hereby  amended  by  adding  after  the  word  "  teacher  ",  in  the 
third  line,  the  words :  —  except  such  teachers  as  have  elected  not  to 
come  within  the  provisions  of  the  act,  —  so  that  said  section  shall 
read  as  follows :  —  Section  6.  The  city  treasurer,  upon  vote  of  the 
board  of  trustees,  shall  pay  out  of  said  retirement  fund,  in  monthly 
payments,  such  an  annuity  to  any  teacher,  except  such  teachers  as 
have  elected  not  to  come  within  the  provisions  of  this  act,  who  shall 
retire  or  be  discharged  from  the  service  of  the  city,  as  the  fund  will 
allow  and  said  board  of  trustees  shall  determine ;  but  in  no  case  shall 
a  teacher  receive  such  annuity  unless  such  teacher  has  taught  for 


206  COMMISSION  ON  PENSIONS.  [Apr. 

thirty  years,  and  for  at  least  ten  years  in  the  public  schools  of  the 
city  of  Boston,  except  as  hereinafter  provided. 

SECTION  3.  Section  seven  of  said  chapter  two  hundred  and  thirty- 
seven  is  hereby  amended  by  adding  after  the  word  "  teacher  ",  in  the 
third  line,  the  words :  —  except  such  teachers  as  have  elected  not  to 
come  within  the  provisions  of  the  act,  —  so  that  said  section  shall 
read  as  follows:  —  Section  7.  The  city  treasurer,  upon  a  vote  of 
the  board  of  trustees,  shall  pay  out  of  the  retirement  fund,  in  monthly 
payment,  such  an  annuity  to  any  teacher,  except  such  teachers  as 
have  elected  not  to  come  within  the  provisions  of  the  act,  who  has 
taught  not  less  than  two  years  in  the  city  of  Boston,  although  less 
than  thirty  years  in  the  aggregate,  as  the  fund  will  allow  and  said 
board  of  trustees  shall  determine,  if  such  teacher  has  become  inca- 
pacitated for  teaching  and  has  been  discharged  from  the  service  of 
the  city  of  Boston :  provided,  that  a  certificate  of  such  incapacity  be 
furnished  by  the  attending  physician  and  by  a  physician  employed 
by  the  board  of  trustees;  and  further  provided.,  that  the  annuity 
shall  cease  when  the  incapacity  ceases. 

SECTION  4.  Section  eleven  of  this  chapter  is  amended  by  adding 
after  the  word  "  provisions  ",  in  the  fourth  line,  the  words :  —  ex- 
cept as  provided  in  section  five,  —  and  by  striking  out  the  remainder 
of  said  section,  so  that  said  section  shall  read  as  follows :  — Section 
11.  This  act  shall  be  binding  upon  all  teachers  entering  the  service 
of  the  city  of  Boston  after  it  goes  into  effect,  and  upon  such  of  the 
teachers  in  the  service  of  said  city  at  the  time  of  its  enactment  as 
may  thereafter  elect  to  come  under  its  provisions,  except  as  provided 
in  section  five. 

SECTION  5.    This  act  shall  take  effect  upon  its  passage. 


1914.]  HOUSE  — No.  2450.  207 


5.     AN  ACT  RELATIVE  TO  THE  PERMANENT   SCHOOL   PENSION 
FUND    OF    THE    CITY    OF    BOSTON. 

Be  it  enacted,  etc.,  as  follows: 

SECTION  1.  The  permanent  school  pension  fund,  as  established 
by  chapter  five  hundred  and  eighty-nine  of  the  acts  of  the  year  nine- 
teen hundred  and  eight,  together  with  any  and  all  unappropriated 
income  of  said  fund,  shall  be  transferred  by  the  treasurer  of  the 
city  of  Boston  into  the  reserve  fund  of  said  city,  and  made  a  part 
thereof,  to  be  expended  as  the  city  council  of  the  city  of  Boston,  with 
the  approval  of  the  mayor,  may  direct. 

SECTION  2.    This  act  shall  take  effect  upon  its  passage. 


208  COMMISSION  ON  PENSIONS.  [Apr. 


6.     AN   ACT    RELATIVE    TO    TAXATION   IN    THE    CITY    OF 

BOSTON. 

Be  it  enacted,  etc.,  as  follows: 

SECTION  1.  Section  fifty-four  of  chapter  twelve  of  the  Eevised 
Laws  is  hereby  amended  by  striking  out  the  words  "  ten  and  one  half 
dollars  ",  in  the  twentieth  line,  and  inserting  in  place  thereof  the 
words :  —  ten  dollars  and  fifty-five  cents,  —  so  as  to  read  as  follows : 
—  Section  54 .  The  taxes  assessed  on  property  exclusive  of  the  state 
tax,  county  tax  and  sums  required  by  law  to  be  raised  on  account  of 
the  city  debt  shall  not  in  any  year  exceed  twelve  dollars  in  any  city  on 
every  one  thousand  dollars  of  the  assessors'  valuation  of  the  taxable 
property  therein  for  the  preceding  year,  said  valuation  being  first 
reduced  by  the  amount  of  all  abatements  allowed  thereon  previous 
to  the  thirty-first  day  of  December  in  the  year  preceding  said  assess- 
ment, subject  to  the  following  provisions :  —  If  the  city  council  of 
a  city  which  contains  less  than  one  hundred  thousand  inhabitants 
according  to  the  last  preceding  national  or  state  census  so  determines, 
the  average  of  the  assessors'  valuation  of  the  taxable  property  therein 
for  the  preceding  three  years,  said  valuation  for  each  year  being 
first  reduced  by  the  amount  of  all  abatements  allowed  thereon  pre- 
vious to  the  thirty-first  day  of  December  in  the  year  preceding  said 
assessment,  shall  be  used  to  determine  said  limit  of  taxation  instead 
of  said  assessors7  valuation  of  the  preceding  year.  In  the  city  of 
Boston,  and  in  all  cities  which  contain  one  hundred  thousand  inhabit- 
ants or  more  according  to  the  census  aforesaid,  said  average  shall 
be  so  used.  In  the  city  of  Boston  said  taxes  shall  not  exceed  ten 
dollars  and  fifty-five  cents  instead  of  twelve  dollars  as  aforesaid. 
Any  order  or  appropriation  requiring  a  larger  assessment  than  is 
herein  limited  shall  be  void.  The  provisions  of  this  section  shall  not 
affect  any  existing  exemption  from  the  operation  of  the  correspond- 
ing provisions  of  earlier  laws. 

SECTION  2.     This  act  shall  take  effect  upon  its  passage. 


1914.] 


HOUSE  — No.  2450. 


209 


APPENDIX  A. 


STATE  EMPLOYEES  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  532  OF  THE 

ACTS  OF  1911. 


NAME. 

Date  of  Birth. 

Date  of  Appoint-  1 
ment. 

Date  of  Retirement.  1 

Years  of  Service. 

1 
? 

a 

Amount  of  Pension. 

.1 
1 

s5 

>>"3 

3% 
3 

Department. 

Barnet,  Catherine  F.,      . 

1849 

1906 

1912 

6 

63 

$200  00 

$240  00 

Hospital. 

Barton,  Annie, 

1848 

1887 

1913 

26 

64 

200  00 

36000 

Hospital. 

Barton,  Samuel, 

1835 

1875 

1912 

37 

77 

743  33 

1,486  67 

Sec.  of  Commonwealth. 

Beckerman,  Margaret  A., 

1842 

1897 

1912 

15 

70 

200  00 

300  00 

Hospital. 

Blades,  Francis  P.,  . 

1846 

1901 

1913 

12 

66 

200  00 

383  08 

Hospital. 

Boutwell,  Wm.  H.,  . 

1842 

1906 

1912 

6 

70 

200  00 

358  80 

Hospital. 

Boy  Ian,  Stephen,     . 

1847 

1900 

1913 

14 

66 

200  00 

641  65 

Metropolitan  Park  Com. 

Bradford,  Nathaniel, 

1846 

1891 

1912 

21 

66 

200  00 

740  17 

School. 

Briggs,  Harriet  E.,  . 

1845 

1901 

1912 

11 

67 

200  00 

204  20 

Hospital. 

Clark,  Charles  R.,   . 

1848 

1896 

1912 

17 

64 

200  00 

390  00 

Hospital. 

Conley,  Luke, 

1845 

1881 

1912 

31 

67 

325  75 

651  50 

Metropolitan  Water  Works. 

Conry,  John  J., 

1849 

1907 

1913 

6 

64 

200  00 

334  00 

Hospital. 

Corcoran,  Michael,  . 

1852 

1907 

1912 

5 

60 

200  00 

625  40 

Hospital. 

Cornish,  Mrs.  Emma  T.,  . 

1852 

1878 

1912 

34 

60 

341  34 

752  80 

State  Board  of  Charity. 

Crawford,  Sarah  M., 

1845 

1880 

1913 

33 

68 

875  00 

1,750  00 

State  Board  of  Charity. 

Davis,  Amelia, 

1843 

1867 

1913 

46 

70 

700  00 

1,400  00 

School. 

Davis,  Belle  C., 

1849 

1885 

1912 

27 

63 

329  20 

798  30 

Police. 

Delano,  John  W.,     . 

1852 

1890 

1912 

22 

60 

354  51 

1,565  00 

Fish  and  Game  Com. 

Denley,  Edward,     . 

1842 

1900 

1912 

12 

70 

200  00 

702  00 

Metropolitan  Park  Com. 

Dennison,  Hollis  J., 

1844 

1911 

1912 

1 

68 

200  00 

300  00 

Hospital. 

Dolloff,  Albert  W.,  . 

1853 

1907 

1913 

6 

60 

200  00 

1,092  00 

Hospital. 

Drew,  Isaac  M., 

1850 

1896 

1913 

17 

62 

200  00 

782  50 

Metropolitan  Water  Works. 

Drown,  Frank  H.,  . 

1856 

1885 

1912 

27 

56 

200  00 

1,560  00 

Statistics. 

Ellsworth,  J.  Lewis, 

1848 

1903 

1913 

10 

64 

200  00 

3,000  00 

State  Board  of  Agriculture. 

Farnham,  George  Y., 

1838 

1909 

1912 

3 

74 

20000 

312  00 

Hospital. 

Fielding,  John, 

1848 

1897 

1913 

16 

65 

214  76 

935  12 

Metropolitan  Sew.  Works. 

Flannery,  Patrick,  . 

1836 

1866 

1912 

46 

76 

297  87 

595  73 

Metropolitan  Waterworks. 

210 


COMMISSION  ON  PENSIONS. 


[Apr. 


STATE  EMPLOYEES  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  532  OF  THE 
ACTS  OF  1911  —  Continued. 


NAME. 

| 

3 
'o 

1 

| 

1 

•8  . 

ii 

«s 

Date  of  Retirement.  1 

Years  of  Service. 

Age  at  Retirement.  J 

Amount  of  Pension. 

| 

1 

2 

ii 

is 

Department. 

Freeman,  Henry  C., 

1828 

1897 

1912 

15 

84 

$200  00 

$294  30 

Hospital. 

Gardner,  Henry  R., 

1836 

1901 

1912 

11 

76 

371  90 

1,500  00 

Province  Laws. 

Garey,  Thomas  C., 

1838 

1886 

1912 

26 

74 

200  00 

180  00 

Hospital. 

Gordon,  Lila  J., 

1851 

1873 

1912 

39 

61 

207  39 

703  33 

Hospital. 

Gorham,  Mary  I.,    . 

1845 

1903 

1913 

10 

68 

200  00 

345  83 

School. 

Hamilton,  Henry  J., 

1839 

1897 

1912 

15 

73 

200  00 

336  00 

Hospital. 

Hennessy,  James,    . 

1850 

1907 

1912 

5 

62 

200  00 

60000 

Hospital. 

Hogan,  John,  . 

1835 

1877 

1912 

35 

77 

204  00 

408  00 

Hospital. 

Holmes,  Sidney, 

1843 

1898 

1913 

16 

70 

252  12 

890  00 

Sergeant-at-Arms. 

Hovey,  Frank  A.,    . 

1851 

1900 

1912 

12 

61 

200  00 

950  00 

Hospital. 

Howard,  Georgianna, 

1841 

1881 

1912 

31 

71 

38644 

772  88 

Tax  Commission. 

Hunkins,  Susan  P., 

1837 

1906 

1912 

6 

75 

200  00 

300  00 

Hospital. 

Ingham,  Alvenza,    . 

1848 

1898 

1912 

15 

64 

200  00 

430  73 

Hospital. 

Jones,  Rebecca, 

1841 

1874 

1912 

38 

71 

504  17 

1,008  33 

School. 

Kelly,  John,     . 

1843 

1872 

1913 

41 

70 

356  74 

713  47 

Metropolitan  Water  Com. 

Kelsey,  Millard  F.,  . 

1850 

1877 

1912 

35 

62 

501  88 

1,003  75 

Hospital. 

Lahiff,  Michael, 

1838 

1866 

1912 

46 

74 

297  98 

595  95 

Metropolitan  Water  Com. 

Lament,  Angus  R., 

1847 

1906 

1913 

7 

66 

20000 

547  75 

Hospital. 

Leahy,  Michael,       . 

1837 

1887 

1912 

25 

75 

377  56 

755  12 

Metropolitan  Water  Com. 

Leary,  Abbie  T.,      . 

1851 

1902 

1912 

11 

61 

200  00 

192  00 

Hospital. 

McGowan,  Annie,    . 

1852 

1889 

1913 

24 

60 

200  00 

216  16 

Hospital. 

McNider,  Henry  J., 

1851 

1873 

1912 

39 

61 

384  12 

932  53 

Metropolitan  Water  Com. 

Murphy,  Jeremiah, 

1837 

1900 

1912 

12 

75 

200  00 

702  00 

Metropolitan  Park  Com. 

Neilson,  John, 

1850 

1882 

1913 

31 

63 

270  00 

540  00 

Hospital. 

O'Connor,  Andrew  J.,      . 

1852 

1908 

1913 

4 

60 

200  00 

260  00 

Hospital. 

Oldham,  John  W.,   . 

1834 

1878 

1912 

34 

78 

660  00 

1,320  00 

Metropolitan  Water  Com. 

Pettigrove,  Frederick  G., 

1847 

1883 

1913 

30 

65 

905  14 

4,000  00 

Prison  Commission. 

Pierce,  Nathaniel,    . 

1847 

1906 

1912 

7 

65 

200  00 

1,248  00 

Sewerage. 

Power,  John,    . 

1843 

1897 

1913 

15 

70 

200  00 

648  00 

Metropolitan  Park  Com. 

Prentiss,  Junius  P., 

1843 

1911 

1913 

2 

70 

200  00 

420  00 

Hospital. 

Putnam,  Frankly  n  H.,    . 

1847 

1901 

1913 

12 

65 

200  00 

549  00 

Hospital. 

Ralston,  David, 

1839 

1869 

1912 

43 

73 

315  02 

630  03 

Metropolitan  Water  Com. 

Roberts,  Stutson,     . 

1836 

1894 

1913 

19 

78 

586  50 

1,206  40 

Metropolitan  Water  Com. 

1914.1 


HOUSE  — No.  2450. 


211 


STATE  EMPLOYEES 


RETIRED  UNDER  THE  PROVISIONS  OF 

ACTS  OF  1911  —  Concluded. 


CHAPTER  532  OF  THE 


J, 

~j 

• 

i 

d 

2 

4 

I 

1 

'E 

1 

1 

1 

NAME. 

3 

"o 

1 

1 

3 

"o 

13  . 

Department. 

Date  of 

|1 

"o 

1 
& 

Years  o 

03 

1 

| 

bl 

Ia 

' 

Ryan,  Jos.  F., 

1844 

1891 

1912 

22 

68 

$263  23 

$630  00 

Metropolitan  Water  Com. 

Sawyer,  Ellen  M.,    . 

1840 

1866 

1912 

46 

72 

60000 

1,20000 

Library. 

Sisk,  James  M., 

1845 

1868 

1912 

44 

67 

204  00 

40800 

Hospital. 

Smith,  Mrs.  Emily, 

1842 

1911 

1912 

1 

70 

200  00 

216  00 

Hospital. 

Smith,  Maria  C.,      . 

1840 

1883 

1912 

29 

72 

50000 

1,00000 

Library. 

Sornborger,  Martin  L.,    . 

1841 

1903 

1912 

9 

71 

20000 

702  00 

Hospital. 

Tassinari,  Ettore, 

1853 

1878 

1913 

35 

60 

326  92 

653  84 

Hospital. 

Tassinari,  Pietro, 

1845 

1890 

1912 

22 

67 

200  00 

240  00 

Hospital. 

Teague,  James  W.,  . 

1843 

1896 

1913 

17 

69 

355  86 

1,382  60 

Metropolitan  Sew.  Works. 

Tuttle,  George  W.,  . 

1841 

1906 

1912 

6 

71 

200  00 

600  00 

Harbor  and  Land  Com. 

Ware,  George  A.,     . 

1843 

1902 

1913 

11 

70 

20000 

41800 

School. 

West,  Jeruel,    . 

1827 

1862 

1912 

50 

85 

468  00 

936  00 

Hospital. 

Whitcomb,  Robert  C.,     . 

1848 

1907 

1912 

5 

64 

20000 

579  00 

Hospital. 

White,  Isaac  W., 

1839 

1904 

1912 

8 

73 

20000 

93600 

Hospital. 

Willey,  David  M.,    . 

1842 

1906 

1912 

6 

70 

20000 

52000 

Hospital. 

Total  amount  of  pension,  $22,080.73. 

ANNUITIES  PAID  BY  THE  COMMONWEALTH  UNDER  THE  PROVISIONS  OF  SPECIAL 

ACTS. 


Amount 
of 
Annuity. 

Length  of 
Annuity. 

Date 
Annuity 
com- 
mences. 

Legislation  under 
which  paid. 

Barber,  Lavinia  A.,        

$300  00 

Life. 

Mar.,  1907 

Res.  1907,  Chap.  18 

Bent,  Wilma  D  

15000 

5  years. 

Jan.,  1912 

Res.  1912,  Chap.  40 

Bessom,  Nancy  E.,        

150  00 

Life. 

Mar.,  1901 

Res.  1901,  Chap.  34 

Buckley,  Patrick,  

480  00 

Life. 

Feb.,  1910 

Res.  1910,  Chap.  11 

Bucknam,  George  C.,    

10000 

Life. 

-       - 

Res.  1874,  Chap.  83 

Burr,  Lemuel  D.  and  Anna, 

150  00 

Life. 

Dec.,  1908 

Res.  1909,  Chap.    4 

Carney,  Susanna,  

180  00 

Life. 

Mar.,  1909 

Res.  1909,  Chap.  86 

Chaplin,  Susan  S.  (guardian), 

72  00 

Life. 

Mar.,  1907 

Res.  1907,  Chap.  27 

Clark,  Mary  H  

72  00 

Life. 

Mar.,  1901 

Res.  1901,  Chap.  36 

Coffin,  William  E  

72  00 

Life. 

Mar.,  1901 

Res.  1901,  Chap.  37 

212 


COMMISSION  ON  PENSIONS. 


[Apr. 


ANNUITIES  PAID  BY  THE  COMMONWEALTH  UNDER  THE  PROVISIONS  OF  SPECIAL 

ACTS  —  Concluded. 


Amount 
of 
Annuity. 

Length  of 
Annuity. 

Date 
Annuity 
com- 
mences. 

Legislation  under 
which  paid. 

Cook,  Lavinia,        

$72  00 

Life. 

Jan.,  1885 

Res.  1885,  Chap.  41 

Corrigan,  Richard  F  

*150  00 

5  years. 

Jan.,  1913 

Res.  1913,  Chap.  55 

Cropper,  Alice  J.,  

500  00 

5  years. 

Apr.,  1913 

Res.  1913,  Chap.  90 

Cummings,  Lucinda  B., 

300  00 

Life. 

Jan.,  1912 

Res.  1912,  Chap.  12 

Daley,  Delia  A.,  and  Talbot,  Samantha,      . 

15000 

Life. 

Mar.,  1913 

Res.  1913,  Chap.  36 

Drummey,  Patrick,        

200  00 

Life. 

-      1889 

Res.  1889,  Chap.  52 

Garland,  Frank  L  

600  00 

Life. 

Feb.,  1899 

Res.  1899,  Chap.    6 

Gigger,  Elbridge  G  

15000 

Life. 

Jan.,  1909 

Rea.  1909,  Chap.  20 

Gilbert,  Lucy  A  

20000 

Life. 

May,  1913 

Res.  1913,  Chap.  80 

Guenther,  Bertha  M.f    

180  00 

10  years. 

Jan.,  1909 

Res.  1909,  Chap.  95 

Hillman,  Samuel  

480  00 

Life. 

July,  1908 

Res.  1908,  Chap.  21 

Hewes,  Charles  H.,        

20000 

5  years. 

Dec.,  1911 

Res.  1912,  Chap.119 

Horton,  Lewis  A.,  

10000 

Life. 

June,  1869 

Res.  1869,  Chap.  83 

Kelliher,  Julia,  guardian  of  two  Ford  children, 

J    150  00 
1    150  00 

2  yrs.  2  mos. 
7  yrs.  9  mos. 

Jan.,  1912 
Jan.,  1912 

[  Res.  1912,  Chap.  13 

Lawrence,  William  H  

50000 

5  years. 

Jan.,  1911 

Res.  1911,  Chap.  16 

Layhee,  Patrick,     

72  00 

Life. 

Mar.,  1901 

Res.  1901,  Chap.  35 

Lind,  Bertha  T  

500  00 

5  years. 

Dec.,  1911 

Res.  1912,  Chap.  25 

Murphy,  Margaret,         

20000 

Life. 

Jan.,  1893 

Res.  1893,  Chap.  13 

Nagle,  Ann  J.,        

24000 

10  years. 

Apr.,  1910 

Res.  1910,  Chap.143 

Nixon,  Elizabeth  

500  00 

5  years. 

Jan.,  1912 

Res.  1912,  Chap.  68 

O'Neil,  John,          

32000 

Life. 

Feb.,  1912 

Res.  1912,  Chap.  14 

Parenteau,  Alfred,          

40000 

5  years. 

Apr.,  1913 

Res.  1913,  Chap.  53 

Pidgin,  Charles  F.,         

500  00 

5  years. 

Feb.,  1913 

Res.  1913,  Chap.  15 

Raymond,  Ella  

30000 

5  years. 

Jan..  1912 

Res.  1912,  Chap.    1 

Welch,  Harry  W  

300  00 

Life. 

Jan.,  1897 

Res.  1897,  Chap.  64 

Total  amount  of  pension,  $9,140. 


1914.] 


HOUSE  — No.  2450. 


213 


VETERANS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  458  OF  THE  ACTS  OF 

1907. 


NAME. 

1 
« 

"8 

3 
a 

^ 

I 

<1 
"^ 

Date  of  Retirement. 

Years  of  Service. 

Age  at  Retirement.  1 

Amount  of  Pension. 

1 

03 

>>! 

Department. 

Rating. 

Abbott,  Joseph  W., 

183 

190 

191 

7 

$425  0 

$8500 

Senate. 

Messenger. 

Adams,  Chas.  O.,    . 

183 

188 

190 

2 

7' 

5500 

1,1000 

Sergt.-at-Anns. 

Watchman. 

Adlington,  Jos.  S., 

184 

188 

190 

2 

6 

425  0 

8500 

Sergt.-at-Arms. 

Messenger. 

Atherton,  Arlon  S., 

184 

190 

191 

1 

7 

750  0 

1,500  0 

District  Police. 

Inspector. 

Bard  well,  Henry  J., 

184 

1890 

191 

2 

7 

750  0 

1,5000 

District  Police. 

Inspector. 

Baston,  G.  A., 

184 

190 

191 

7 

352  0 

70400 

Met.  Park  Com. 

Draw  tender. 

Black,  J.B.,    . 

183 

1895 

191 

1 

7 

900  0 

1,496  00 

M.  W.  and  S.  Bd 

Engineer. 

Blossom,  Wayne  W., 

184 

1885 

191 

2 

7 

60000 

1,200  00 

Prison. 

Officer. 

Bolton,  Oilman  B., 

1843 

1885 

191 

2 

6 

55000 

1,100  00 

Sergt.-at-Arms. 

Watchman. 

Bowers,  John, 

1840 

1896 

190 

1 

6 

60000 

1,200  00 

Prison. 

Watchman. 

Brown,  Benj.  B.,     . 

1840 

1886 

1910 

24 

7 

425  00 

85000 

Sergt.-at-Arms. 

Messenger. 

Brown,  Joseph  R., 

1837 

1886 

191 

2o 

74 

60000 

1,200  00 

Sergt.-at-Arms. 

Watchman. 

Bruce,  John  L., 

1845 

1885 

1907 

2; 

6- 

60000 

1,200  00 

Prison. 

Watchman. 

Burnsville,  John  H., 

- 

- 

1912 

- 

- 

28800 

57600 

Hospital. 

Carpenter. 

Caldicott,  Geo.  W., 

- 

- 

1912 

- 

- 

300  00 

600  00 

Hospital. 

- 

Campbell,  James  P., 

1844 

1883 

1908 

25 

64 

75000 

1,500  00 

District  Police. 

Clerk. 

Capelle,  Wm.  C.,    . 

1832 

1862 

1912 

50 

80 

1,100  00 

2,200  00 

Ajt.  General. 

Clerk. 

Carleton,  Albert  A., 

1846 

1897 

1910 

13 

64 

700  00 

1,400  00 

Bd.  of  Charity. 

Clerk. 

Carr,  Charles  F.,     . 

1845 

1900 

1910 

10 

65 

450  00 

900  00 

Q.  M.  G. 

Armorer. 

Carr,  John  A., 

1847 

1904 

1911 

7 

64 

45000 

90000 

Q.  M.  G. 

Armorer. 

Caswell,  Levi  L.,    . 

1845 

1885 

1913 

28 

68 

650  00 

1,300  00 

Prison. 

Officer. 

Chaplain,  William, 

1840 

1885 

1910 

25 

70 

600  00 

1,200  00 

Prison. 

Watchman. 

Collamore,  Henry  H.,     . 

1841 

1894 

1913 

19 

72 

75000 

1,500  00 

District  Police. 

Inspector. 

Cooke,  Willard  S.,  . 

1838 

1904 

1913 

9 

66 

500  00 

1,000  00 

Sergt.-at-Arms. 

Messenger. 

Coyne,  Thomas  F., 

1834 

1886 

1912 

26 

78 

500  00 

1,000  00 

Sergt.-at-Arms. 

Massenger. 

Crittenden,  Geo.  F., 

1842 

1898 

1912 

14 

70 

75000 

1,50000 

District  Police. 

Inspector. 

Curtis,  Wm.  W.,      . 

1845 

1885 

1907 

22 

62 

750  00 

1,500  00 

Prison. 

Instructor. 

Cushman,  James  M., 

- 

1887 

1908 

21 

- 

900  00 

1,800  00 

Con.  of  Co.  Ac. 

Deputy. 

Davis,  James  H.,    . 

- 

- 

1911 

- 

- 

423  00 

84600 

Hospital. 

Carpenter. 

Davis,  Horace  F.,  . 

- 

1888 

1913 

25 

- 

783  33 

1,566  66 

Health. 

inspector. 

Doming,  A.  B.  C., 

- 

1895 

1913 

18 

- 

1,050  00 

2,100  00 

Treasurer. 

Bookkeeper. 

Dyer,  David  H.,     . 

1834 

1896 

1912 

16 

78 

75000 

1,500  00 

District  Police. 

Inspector. 

Dyson,  Joseph  M., 

- 

1879 

1908 

29 

- 

75000 

1,500  00 

District  Police. 

inspector. 

214 


COMMISSION  ON  PENSIONS. 


VETERANS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  458  OF  THE  ACTS  OF 

1907  —  Continued. 


NAME. 

Date  of  Birth. 

± 

z 

<< 

°^' 
|| 

Date  of  Retirement.  J 

Years  of  Service. 

Age  at  Retirement.  |  j 

Amount  of  Pension.  1 

k 

1 

03 

&! 

le 

Department. 

Rating. 

Edgett,  Isaac  H.f    . 

- 

1889 

1913 

24 

- 

$1,500  00 

$3,000  00 

Secretary. 

Deputy. 

Elmes,  Amos  M.,    . 

1842 

1885 

1908 

23 

66 

60000 

1,200  00 

Prison. 

Watchman. 

Fairbanks,  Amos  H., 

1830 

1883 

1910 

27 

80 

650  00 

1,300  00 

S.  A.  and  Pen. 

Clerk. 

Fairbanks,  Henry  H.,     . 

- 

1868 

1913 

45 

- 

60000 

1,200  00 

Bd.  of  Charity. 

Agent. 

Flint,  Sunill,  . 

1842 

1889 

1913 

14 

71 

550  00 

1,100  00 

Sergt.-at-Arms. 

Watchman. 

Fuller,  Joseph, 

1838 

1867 

1912 

45 

74 

650  00 

1,300  00 

Prison  Com. 

Officer. 

Gordon,  William  S., 

- 

1885 

1913 

28 

- 

67500 

1,350  00 

School. 

Engineer. 

Grant,  Andrew  D., 

- 

- 

- 

- 

- 

30000 

60000 

State  Farm. 

Halstrick,  Joseph,  . 

1841 

1888 

1907 

19 

66 

750  00 

1,500  00 

District  Police. 

Inspector. 

Hastings,  Charles  W.,     . 

1831 

1879 

1910 

31 

79 

1,250  00 

2,500  00 

S.  A.  and  Pen. 

Commissioner. 

Hay  den,  Sydney  E., 

1842 

1903 

1910 

7 

68 

54600 

1,092  00 

Water  Works. 

Asst.  Eng. 

Hill,  George  N.,      . 

1843 

1907 

1912 

5 

69 

390  00 

78000 

Statistics. 

Clerk. 

Hodges,  Alfred  B., 

1840 

1896 

1912 

16 

72 

750  00 

1,500  00 

District  Police. 

Detective. 

Holmes,  C.  Bradford,     . 

1841 

1897 

1909 

12 

68 

511  40 

1,022  80 

Met.  Park  Com. 

Watchman. 

Howe,  Asa  F., 

- 

- 

- 

- 

- 

750  00 

1  500  00 

Lyman  School. 

- 

Hyde,  Edwin  O.,  . 

1838 

1884 

1908 

24 

70 

600  00 

1,200  00 

Prison. 

Watchman. 

Jenness,  William,    . 

1840 

1896 

1909 

13 

69 

600  00 

1,200  00 

Reformatory. 

Watchman. 

Joy,  Alonzo,    . 

1841 

1889 

1908 

19 

67 

600  00 

1,200  00 

Reformatory. 

Watchman. 

Kazar,  John  H., 

1842 

1896 

1908 

12 

66 

750  00 

1,500  00 

District  Police. 

Inspector. 

Kinnear,  John, 

1831 

1880 

1909 

29 

78 

1,100  00 

2,200  00 

Sergt.-at-Arms. 

Clerk. 

Knight,  Thomas  W., 

1841 

1901 

1910 

9 

69 

75000 

1,500  00 

Auditor. 

Clerk. 

Landy,  Luke  R.,     . 

1842 

1878 

1907 

29 

65 

60000 

1,200  00 

Adj.  General. 

Supt.  St.  Ar. 

Locke,  J.  Henry,     . 

- 

1897 

1908 

11 

- 

425  00 

850  00 

Senate. 

Messenger. 

McGrath,  John, 

1848 

1898 

1913 

15 

65 

75000 

1,500  00 

District  Police. 

Inspector. 

Moore,  Joseph  A.,  . 

1844 

1884 

1912 

28 

68 

1,200  00 

2,400  00 

District  Police. 

Chief  Insp. 

Morley,  Joseph  A., 

1846 

1893 

1908 

15 

62 

60000 

1,200  00 

Prison. 

Watchman. 

Moses,  George  F.,  . 

1843 

1908 

1913 

5 

70 

60000 

1,200  00 

Sergt.-at-Arms. 

Watchman. 

Murray,  Peleg  F.,  . 

1837 

1892 

1911 

19 

74 

750  00 

1,500  00 

District  Police. 

Detective. 

Park,  Wisner, 

1835 

1896 

1908 

12 

73 

60000 

1,200  00 

Reformatory. 

Watchman. 

Perkins,  John  T.,    . 

- 

- 

- 

- 

- 

20000 

40000 

Reformatory. 

- 

Proctor,  Milo  J.,      . 

1840 

1894 

1910 

16 

70 

500  00 

1,000  00 

Sergt.-at-Arms. 

Elevator  man. 

Quinby,  H.  M.,       . 

- 

- 

1912 

- 

- 

1,500  00 

3,000  00 

Hospital. 

Supt. 

Remington,  David  T.,   . 

1845 

1890 

1910 

20 

65 

1,750  00 

3,500  00 

Sergt.-at-Arms. 

Sergt.-at-Arms. 

1914.] 


HOUSE  — No.  2450. 


215 


VETERANS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  458  OF  THE  ACTS  OF 

1907  —  Concluded. 


NAME. 

Date  of  Birth. 

I 

o    . 

l' 

Date  of  Retirement. 

Years  of  Service. 

Age  at  Retirement.  | 

Amount  of  Pension. 

3 

M! 

Department. 

Rating. 

Riggs,  Geo.  W., 

1843 

1897 

1911 

14 

68 

$352  00 

$821  26 

Met.  Park  Com. 

Draw  tender. 

Reynolds,  John  P., 

1841 

1879 

1911 

32 

71 

1,000  00 

2,000  00 

Adj.  General. 

Clerk. 

Robinson,  Benjamin  F., 

- 

- 

1910 

- 

- 

60000 

1,200  00 

Prison. 

- 

Sanderson,  Martin, 

- 

- 

1911 

- 

- 

300  00 

600  00 

School. 

Janitor. 

Sherwin,  Henry,     . 

1837 

1884 

1912 

28 

75 

1,500  00 

3,000  00 

Civ.  Serv.  Com. 

Ch.  examiner. 

Smith,  Joseph, 

1846 

1895 

1908 

13 

62 

55000 

1,100  00 

Sergt.-at-Arms. 

Watchman. 

Splaine,  Henry, 

1837 

1890 

1910 

20 

73 

750  00 

1,500  00 

District  Police. 

Inspector. 

Stevens,  Benjamin, 

1840 

1889 

1907 

18 

67 

600  00 

1,200  00 

Prison. 

Watchman  . 

Storey,  John,  . 

1843 

1895 

1911 

16 

68 

39000 

78000 

M.  W.  and  S.  B. 

Janitor. 

Sweeney,  Charles  H.,     . 

1840 

1897 

1908 

9 

68 

60000 

1,200  00 

Reformatory. 

Watchman. 

Taylor,  Dwight  B., 

1842 

1892 

1910 

18 

68 

600  00 

1,200  00 

Prison. 

Watchman. 

Tenney,  Charles  F., 

1842 

1894 

1907 

13 

65 

550  00 

1,100  00 

Sergt  .-at-  Arms. 

Watchman. 

Terry,  John  H., 

- 

- 

1913 

- 

- 

70000 

1,400  00 

Health. 

Inspector. 

Tyler,  John  H.,      . 

1843 

1905 

1913 

8 

70 

42000 

84000 

Statistics. 

Clerk. 

Walker,  David, 

- 

1895 

1908 

13 

- 

700  00 

1,400  00 

Charity. 

Visitor. 

Witherell,  Edwin  S., 

1846 

1896 

1908 

12 

62 

500  00 

1,000  00 

Q.  M.  G. 

Armorer. 

Wood,  Charles  H.  W.,     . 

- 

1906 

1913 

7 

- 

390  00 

78000 

Highway  Com. 

Clerk. 

Works,  George  L.,  . 

1843 

1899 

1912 

13 

69 

360  00 

720  00 

Reformatory. 

Watchman. 

Young,  Henry  F.,  . 

1840 

1901 

1910 

9 

70 

390  00 

780  00 

Sergt.-at-Arms. 

Porter. 

Total  amount  of  pension,  $56,320.73. 

METROPOLITAN  PARK  POLICE  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER 
453  OF  THE  ACTS  OF  1909. 


Haddock,  Salem  P.,       . 

1864 

1899 

1910 

11 

46 

$546  00 

$1,092  00 

Met.  Park  Com. 

Sergeant. 

Powers,  John  W.  (widow 

1864 

1897 

1912 

15 

48 

40000 

1,000  00 

Met.  Park  Com. 

Patrolman. 

of). 

Stewart,  Robert  D.  (wid- 

1877 

1910 

1913 

3 

36 

40000 

1,000  00 

Met.  Park  Com. 

Patrolman. 

ow  of). 

Mateer,  William  (widow 

1874 

1905 

1909 

4 

35 

300  00 

858  00 

Met.  Park  Com. 

Patrolman. 

of). 

Geer,  Charles  P.,  1  . 

1854 

1910 

1913 

3 

59 

364  00 

20000 

Met.  Park  Com. 

Patrolman. 

Total  amount  of  pension,  $2,010. 
1  Special  act. 

DISTRICT  POLICE  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  675  OF  THE 

ACTS  OF  1911. 


Griffin,  John  E.,     . 

1858 

1891 

1912 

21 

54 

$750  00 

$1,500  00 

District  Police. 

Inspector. 

Total  amount  of  pension,  $750. 


216 


COMMISSION  ON  PENSIONS. 


[Apr. 


JUSTICES  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  162  OF  THE  ACTS  OF 
1885,  AND  SUBSEQUENT  ACTS. 


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Morton,  James  M., 

1837 

1890 

1913 

23 

76 

$7,500  00 

$10,000  00 

Sup.  Jud.  Ct. 

Justice. 

Knowlton,  Marcus  P.,    . 

1839 

1881 

1911 

30 

72 

7,875  00 

10,500  00 

Sup.  Jud.  Ct. 

Justice. 

Sherman,  Edgar  J., 

1834 

1887 

1911 

24 

77 

6,000  00 

8,000  00 

Superior  Court. 

Justice. 

Total  amount  of  pension,  $21,375. 


PRISON  OFFICERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  601  OF  THE 

ACTS  OF  1908. 


Barnes,  John  W.  F., 

1831 

1881 

1908 

27 

77 

$1,000  00 

$2,000  00 

Prison. 

Chaplain. 

Batt,  William  J.,     . 

1835 

1885 

1910 

25 

75 

1,000  00 

2,000  00 

Prison. 

Chaplain. 

Benjamin,  Frank  E., 

1852 

1882 

1913 

31 

61 

800  00 

1,600  00 

Prison. 

Officer. 

Brooks,  Susan  P.,  . 

1859 

1879 

1912 

33 

53 

500  00 

1,000  00 

Prison. 

Clerk. 

Leftovith,  Martin, 

1854 

1908 

1912 

4 

58 

54000 

1,080  00 

Prison. 

Instructor. 

MacDonald,  George, 

1852 

1879 

1909 

31 

58 

60000 

1,200  00 

Prison. 

Turnkey. 

McFarland,  Sylvester,     . 

1842 

1884 

1909 

24 

66 

60000 

1,200  00 

Prison. 

Watchman. 

Masters,  Helen  B., 

1840 

1877 

1913 

36 

73 

250  00 

50000 

Prison. 

Officer. 

Morton,  Frances  A., 

1838 

1881 

1910 

29 

72 

1,000  00 

2,000  00 

Prison. 

Supt.  W.  Pris. 

Piper,  James  H.,     . 

1839 

1868 

1908 

40 

69 

600  00 

1,200  00 

Prison. 

Turnkey. 

Sprague,  William  W.,      . 

1841 

1888 

1912 

24 

71 

750  00 

1,500  00 

Prison. 

Instructor. 

Wood,  William  H.f 

1846 

1883 

1911 

28 

65 

60000 

1,200  00 

Prison. 

Officer. 

Young,  George  W., 

1856 

1885 

1908 

23 

52 

600  00 

1,200  00 

Prison. 

Watchman. 

Total  amount  of  pension,  $8,840. 


SUMMARY  OF  STATE  PENSION  PAYMENTS. 


DEPARTMENT. 

Number. 

Annual 
Cost. 

DEPARTMENT. 

Number. 

Annual 
Cost. 

State  Retirement,     . 

75 

$22,080  73 

Prison  Officers, 

13 

$8,840  00 

Annuities, 

35 

9,140  00 

Metropolitan  Park  Police, 

5 

2,010  00 

Veterans,  .... 

85 

56,320  73 

District  Police, 

1 

750  00 

Justices,    .... 

3 

21,375  00 

Total,  .... 

217 

$120,516  46 

1914.] 


HOUSE  — No.  2450. 


217 


COUNTY  EMPLOYEES  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  634  OF  THE 

ACTS  OF  1911. 


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BRISTOL  COUNTY. 

Brown,  Frank  A.,  . 

1846 

1880 

1911 

31 

65 

$456  25 

$911  25 

Prison. 

Officer. 

Carrier,  I.  Granville, 

1841 

1873 

1911 

38 

70 

60000 

1,100  00 

Prison. 

Keeper. 

Holmes,  Ezra, 

1842 

1885 

1913 

28 

71 

500  00 

1,007  40 

Prison. 

Officer. 

Total  amount  of  pension,  $1,556.25. 


ESSEX  COUNTY. 

Brocklebank,  L.  H.f       . 

1846 

1892 

1911 

19 

65 

$425  00 

$850  00 

Prison. 

Officer. 

Cobb,  Warren  D.,  . 

1839 

1888 

1909 

21 

70 

500  00 

1,000  00 

Prison. 

Officer. 

Johnson,  Francis  F., 

1842 

1889 

1912 

23 

70 

425  00 

850  00 

Prison. 

Officer. 

Peart,  Chas.  W.,      . 

1839 

1896 

1911 

15 

72 

420  00 

84000 

Judicial. 

Officer. 

Phipps,  Cyrus  H., 

1845 

1892 

1911 

19 

66 

50000 

1,000  00 

Prison. 

Engineer. 

Stevens,  Chas.  H., 

1840 

1875 

1909 

34 

69 

425  00 

850  00 

Prison. 

Officer. 

Total  amount  of  pension,  $2,695. 


FBANKLIN  COUNTY. 
Widow  of  Sheriff  Harkins, 

- 

- 

1913 

- 

- 

$300  00 

- 

Prison. 

Sheriff. 

Total  amount  of  pension,  $300. 


HAMPDEN  COUNTY. 
Holder,  Dennis  C., 

1839 

1891 

1913 

22 

74 

$420  00 

$840  00 

Prison. 

Foreman. 

Total  amount  of  pension,  $420. 


MIDDLESEX  COUNTY. 

Hadley,  Samuel  P., 

1832 

1877 

1912 

35 

80 

$2,625  00 

$3,500  00 

Judicial. 

Justice. 

Jones,  Wm.  C., 

1844 

1888 

1910 

22 

66 

60000 

1,200  00 

Prison. 

Officer. 

Joy,  Isaac, 

1850 

1908 

1913 

5 

63 

200  00 

660  00 

Reg.  of  Deeds. 

Laborer. 

Law,  Emerson  W.f 

1841 

1881 

1911 

30 

70 

800  00 

1,600  00 

Judicial. 

Clerk. 

Thompson,  Adelaide  B., 

1839 

1874 

1912 

38 

73 

369  43 

1,020  00 

Reg.  of  Deeds. 

Clerk. 

Walker,  Rebecca  J., 

1837 

1897 

1912 

15 

75 

200  00 

624  00 

Reg.  of  Deeds. 

Clerk. 

Total  amount  of  pension,  $4,794.43. 


218 


COMMISSION  ON  PENSIONS. 


[Apr. 


COUNTY  EMPLOYEES  RETIRED  UNDER  THE  PROVISIONS  OP  CHAPTER  634  OF  THE 
ACTS  OF  1911  —  Concluded. 


NORFOLK  COUNTY. 

Everett,  Sarah  B.,  . 

1842 

1864 

1912 

48 

70 

$335  08 

$535  50 

Reg.  of  Deeds. 

Clerk. 

Haskell,  Sarah  S.,  . 

1844 

1866 

1912 

46 

68 

20000 

244  32 

Reg.  of  Deeds. 

Clerk. 

Thayer,  Mary  S.  W.,       . 

1832 

1873 

1912 

39 

80 

245  60 

455  16 

Reg.  of  Deeds. 

Clerk. 

Total  amount  of  pension,  $780.68. 

PLYMOUTH  COUNTY. 

Hathaway,  Benj.  A.,      . 

1834 

1874 

1912 

38 

78 

$360  00 

$720  00 

Court. 

Clerk. 

Total  amount  of  pension,  $360. 

SUFFOLK  COUNTY. 

Brown,  George  W., 

1850 

1886 

1909 

23 

59 

$600  00 

$1,200  00 

Jail. 

Van  driver. 

Browne,  George  G., 

1846 

1892 

1912 

20 

66 

33000 

66000 

Penal. 

Officer. 

Brugts,  Frederick  C.,      . 

- 

1897 

1911 

14 

- 

300  00 

60000 

Penal. 

Fireman. 

Buswell,  Albert  S., 

1843 

1873 

1911 

38 

68 

80000 

1,600  00 

Municipal  Ct. 

Officer. 

Collins,  Nancy  E., 

- 

1881 

1909 

28 

- 

180  00 

36000 

Penal. 

Matron. 

Davis,  Nancy  B.,  . 

1852 

1878 

1911 

33 

59 

30000 

60000 

Penal. 

Matron. 

Hollingsworth  ,  John, 

1840 

1887 

1911 

24 

71 

480  00 

960  00 

Penal. 

Watchman. 

Hunter,  Charles  M., 

1846 

1893 

1912 

19 

66 

60000 

1,200  00 

Jail. 

Officer. 

Kennison,  George  A.,     . 

1844 

1895 

1912 

17 

68 

330  00 

66000 

Penal. 

Officer. 

Lincoln,  Llewllyn,  . 

1844 

1895 

1912 

17 

68 

330  00 

66000 

Penal. 

Officer. 

Nason,  George  H., 

1836 

1895 

1912 

17 

76 

600  00 

1,200  00 

Municipal  Ct. 

Officer. 

Prescott,  William,  . 

1843 

1881 

1912 

31 

69 

95000 

1,900  00 

Penal. 

Clerk. 

Reardon,  John  J.,  . 

1843 

1885 

1911 

26 

68 

625  00 

1,250  00 

Jail. 

Officer. 

Swain,  James  M.,    . 

1843 

1881 

1909 

28 

66 

675  00 

1,350  00 

Jail. 

Steward. 

Wiggin,  Joseph  A., 

1844 

1893 

1912 

19 

68 

330  00 

66000 

Penal. 

Officer. 

Total  amount  of  pension,  $7,430. 

WORCESTER  COUNTY. 

Sweeney,  David  H., 

1843 

1867 

1913 

46 

70 

$530  00 

$1,060  00 

Prison. 

Steward. 

Washburn,  W.  A.,  . 

1837 

1889 

1911 

22 

74 

70000 

1,400  00 

Prison. 

Master. 

Total  amount  of  pension,  $1,230. 


1914.] 


HOUSE  — No.  2450. 


219 


SUMMARY   OF   PENSION  PAYMENTS   BY    COUNTIES   OF   MASSACHUSETTS. 


COUNTY. 

Number 
of  Pen- 
sioners. 

Annual 
Cost. 

COUNTY. 

Number 
of  Pen- 
sioners. 

Annual 
Cost. 

Bristol,      .... 

3 

$1,556  25 

Norfolk,    .... 

3 

$780  68 

Essex,        .... 

6 

2,695  00 

Plymouth, 

1 

360  00 

Franklin  

1 

300  00 

Suffolk,     .... 

15 

7,430  00 

Hampden, 

1 

420  00 

Worcester, 

2 

1,230  00 

Middlesex, 

6 

4,794  43 

Total  

38 

$19,566  36 

RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON. 


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Rating. 

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Saunders,  James,    . 

1846 

1902 

1913 

11 

67 

$300  00 

$600  00 

Public  Bldg. 

Teamster. 

Total  amount  of  pension,  $300. 


Arlington. 

Barry,  Garrit, 

1850 

1878 

1913 

35 

63 

$550  00 

$1,100  00 

Police. 

Patrolman. 

Burns,  Michael, 

1846 

1884 

1912 

28 

66 

20036 

801  44 

PublicjWorks. 

Teamster. 

Total  amount  of  pension,  $750.36. 


BEVERLY. 

Mitchell,  Chas.  W.» 

1841 

1898 

1913 

15 

72 

$500  00 

$1,000  00 

Police. 

Patrolman. 

Smith,  Chas.  E.,     . 

1849 

1882 

1913 

31 

64 

50000 

- 

Fire. 

Callman. 

Total  amount  of  pension,  $1,000. 


BROCKTON. 

Davis,  Peter,  . 

1845 

1882 

1913 

31 

68 

$550  00 

$1,100  00 

Police. 

Patrolman. 

O'Brien,  Michael,    . 

1848 

1888 

1913 

25 

65 

252  78 

505  56 

Public  Works. 

Laborer. 

Smith,  Robert  W., 

1839 

1884 

1913 

29 

74 

550  00 

1,100  00 

Police. 

Patrolman. 

Total  amount  of  pension,  $1,352.78. 


220 


COMMISSION  ON  PENSIONS. 


[Apr. 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


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Brookline. 

Creelman,  Andrew, 

1852 

1886 

1913 

27 

61 

$700  00 

$1,400  00 

Police. 

Sergeant. 

Dearborn,  Geo.  F., 

1840 

1870 

1905 

35 

65 

700  00 

1,400  00 

Police. 

Lieutenant. 

Donovan,      Joseph     W. 

_ 

_ 

1912 

15 

_ 

300  00 

600  00 

Public  Works. 

Laborer. 

(widow  of). 

Finnegan,  Arthur,  . 

1836 

1887 

1912 

25 

75 

324  00 

702  00 

Public  Works. 

Laborer. 

Frye,  Mary  P., 

1849 

1871 

1909 

38 

60 

500  00 

1,200  00 

School. 

Teacher. 

Honey,  Thos.  N.,   . 

1868 

1901 

1907 

6 

39 

549  00 

1,098  00 

Fire. 

Driver. 

Johnson,  Anna  M., 

- 

1884 

1910 

26 

64 

500  00 

1,200  00 

School. 

Teacher. 

McKenna,  Alfred  S.,       . 

1842 

1902 

1912 

10 

70 

39000 

780  00 

Public  Bldg. 

Janitor. 

McMurray,    Jos>ph 

_ 

1896 

1907 

11 

_ 

30000 

_ 

Police. 

Patrolman. 

(widow  of). 

O'Connell,  Wm.  W., 

1844 

1900 

1912 

12 

68 

460  00 

- 

Public  Works. 

Laborer. 

Rockwood,  Adela  F., 

1854 

1887 

1913 

26 

59 

487  50 

975  00 

School. 

Teacher. 

Stanford,  Wm.  J.,  . 

1883 

1906 

1912 

6 

29 

600  00 

1,200  00 

Fire. 

Fireman. 

Total  amount  of  pension,  $5,810.50. 


CAMBRIDGE. 

Brooks,  Edwin  C., 

1844 

1870 

1913 

43 

69 

$1,100  00 

$2,200  00 

Public  Works. 

Supt. 

Clark,  Patrick, 

1840 

1887 

1913 

26 

73 

387  42 

774  84 

Public  Works. 

Teamster. 

Conroy,  James, 

1844 

1896 

1913 

17 

69 

322  16 

644  32 

Public  Works. 

Laborer. 

Dudley,  Francis  E., 

1834 

1892 

1913 

21 

79 

288  60 

577  20 

Public  Works. 

Driver. 

Emery,  James  W.,  . 

1841 

1895 

1912 

17 

71 

600  00 

1,250  00 

Public  Bldg. 

Inspector. 

Fitzgerald,  John,     . 

1848 

1903 

1913 

10 

65 

311  24 

662  48 

Public  Works. 

Laborer. 

Gallivan,  Mortimer, 

1848 

1888 

1913 

35 

65 

178  88 

357  76 

Public  Works. 

Laborer. 

Gaughan,  John, 

1842 

1896 

1912 

16 

70 

520  00 

1,040  00 

Public  Works. 

Draw  tender. 

Graham,  Patrick,    . 

1848 

1894 

1913 

19 

65 

132  60 

265  20 

Public  Works. 

Laborer. 

Haskins,  John, 

1842 

1890 

1912 

22 

70 

351  00 

702  00 

Public  Works. 

Laborer. 

McHugh,  Charles,  . 

1848 

1893 

1913 

20 

65 

600  00 

1,200  00 

Public  Works. 

Foreman. 

Morrissey,  Michael, 

1839 

1897 

1912 

15 

73 

351  00 

702  00 

Public  Works. 

Laborer. 

Noonan,  Patrick,    . 
O'Rourke,  Michael, 
Simpson,  Wm., 
Sullivan,  John, 

1839 
1848 
1844 
1848 

1886 
1882 
1899 
1885 

1913 
1913 
1912 
1913 

17 
31 
13 

28 

74 
65 
68 
65 

307  84 
232  96 
351  00 
327  08 

615  68 

k  .    «, 

465  92 
702*00 
654  16 

Public  Works. 
Public  Works. 
Public  Works. 
Public  Works. 

Laborer. 
Laborer. 
Laborer. 
Laborer. 

Sullivan,  Michael,  . 

1848 

1888 

1913 

25 

65 

303  16 

606  32 

Public  jWorks. 

Laborer. 

1914.1 


HOUSE  — No.  2450. 


221 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


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Years  of  Service. 

1  Age  at  Retirement.  |  j 

Amount  of  Pension. 

"cl 

Department. 

Rating 

CAMBRIDGE  —  Con. 

Sullivan,  Richard, 

1848 

1888 

1913 

25 

65 

$330  20 

$660  40 

Public  Works. 

Laborer. 

Sullivan,  Thomas,  . 

1848 

1888 

1913 

25 

65 

331  20 

66248 

Public  Works. 

Laborer. 

Whetland,  Charles, 

1844 

1901 

1913 

12 

69 

351  00 

702  00 

Public  Works. 

Laborer. 

White,  Charles  H., 

1845 

1885 

1913 

28 

68 

274  04 

548  08 

Public  Works. 

Laborer. 

Belcher,  Edw.  F.t   . 

1841 

1879 

1903 

24 

62 

54600 

1,092  00 

Police. 

Patrolman. 

Coulter,  John, 

1844 

1883 

1906 

23 

62 

547  50 

1,095  00 

Police. 

Patrolman. 

Deehan,  John  W.,  . 

1855 

1883 

1910 

27 

55 

650  00 

1,300  00 

Police. 

Lieutenant. 

Forristall,  Jas.  B.,  . 

1856 

1892 

1909 

17 

53 

547  50 

1,095  00 

Police. 

Patrolman. 

Ginty,  Michael  A., 

1844 

1884 

1906 

22 

62 

54750 

1,095  00 

Police. 

Patrolman. 

Howe,  William  H., 

1841 

1891 

1911 

20 

70 

547  50 

1,095  00 

Police. 

Patrolman. 

Jones,  Henry  C.,     . 

1853 

1882 

1903 

21 

50 

547  50 

1,095  00 

Police. 

Patrolman. 

Ladd,  Fred  L., 

1842 

1887 

1909 

22 

67 

546  00 

1,092  00 

Police. 

Patrolman. 

Marston,  Chas.  C., 

1848 

1886 

1906 

20 

58 

547  50 

1,095  00 

Police. 

Patrolman. 

Real,  Thomas  J.,    . 

1845 

1884 

1912 

28 

67 

650  00 

1,300  00 

Police. 

Sergeant. 

Roper,  Bernard  J., 

1855 

1882 

1909 

27 

54 

547  50 

1,095  00 

Police. 

Patrolman. 

A  very,  Ella  R., 

1853 

1881 

1913 

32 

60 

500  00 

1,00000 

School. 

Principal. 

Bettinson,  Addie,   . 

1852 

1872 

1913 

41 

61 

350  00 

700  00 

School. 

Principal. 

Blackman,  Wm.  R., 

1841 

1895 

1912 

17 

71 

468  00 

936  00 

School. 

Janitor. 

Blair,  Mary,    . 

1859 

1882 

1913 

31 

54 

35000 

70000 

School. 

Teacher. 

Bradbury,  Wm.  F., 

1829 

1860 

1913 

53 

84 

500  00 

3,000  00 

School. 

Master. 

Chamberlain,  Sally, 

1835 

1880 

1913 

33 

78 

350  00 

700  00 

School. 

Teacher. 

Cheney,  Ellen  A.,  . 

1848 

1876 

1913 

37 

65 

350  00 

700  00 

School. 

Teacher. 

Cronin,  Patrick,      . 

1840 

1892 

1912 

20 

72 

312  00 

624  00 

School. 

Janitor. 

Day,  Arthur  C.,     . 

1837 

1896 

1913 

17 

76 

364  00 

728  00 

School. 

Janitor. 

Doherty,  Josephine  M.,  . 

1857 

1878 

1913 

35 

56 

350  00 

750  00 

School. 

Teacher. 

Driscoll,  Mary  A.,  . 

1854 

1888 

1913 

25 

59 

35000 

70000 

School. 

Teacher. 

Dutcher,  C.  P., 

1840 

1888 

1913 

25 

73 

350  00 

750  00 

School. 

Teacher. 

Evans,  M.  Elizabeth,      . 

1843 

1874 

1913 

39 

70 

35000 

70000 

School. 

Teacher. 

Ewell,  Charlotte  A., 
Fletcher,  R.  H.,      . 

1847 
1829 

1868 
1861 

1913 
1913 

45 
52 

66 

84 

45000 
500  00 

90000 
2,300  00 

School. 
School. 

Teacher. 
Master. 

Oilman,  Mary  M.,  . 

1838 

1886 

1913 

27 

75 

350  00 

700  00 

School. 

Teacher. 

Grover,  Edw.  O.,    . 

1834 

1880 

1913 

33 

79 

500  00 

2,300  00 

School. 

Master. 

Gunnison,  Sarah  J., 

1861 

1882 

1913 

31 

52 

500  00 

1,000  00 

School. 

Principal. 

222 


COMMISSION  ON  PENSIONS. 


[Apr. 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


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CAMBRIDGE  —  Con. 

Hutchins,  Nellie  A., 

1853 

1875 

1913 

38 

60 

$450  00 

$800  00 

School. 

Teacher. 

Josselyn,  A.  B., 

1840 

1863 

1913 

50 

73 

35000 

700  00 

School. 

Teacher. 

Kenney,  John  S.,   . 

1836 

1893 

1913 

20 

77 

364  00 

728  00 

School. 

Janitor. 

Learner,  John  S.,    . 

1847 

1902 

1912 

10 

65 

54600 

1,092  00 

School. 

Janitor. 

Leighton,  Ellen  M., 

1845 

1871 

1913 

42 

68 

35000 

700  00 

School. 

Principal. 

Locke,  Evelyn  J.,  . 

1853 

1880 

1913 

33 

60 

50000 

1,000  00 

School. 

Principal. 

Lowell,  K.  M.t 

1847 

1869 

1913 

44 

66 

35000 

750  00 

School. 

Teacher. 

Paddack,  Eliza  S., 

1848 

1870 

1913 

43 

65 

350  00 

70000 

School. 

Teacher. 

Pendexter,  Frances  E.,  . 

1840 

1864 

1913 

49 

73 

35000 

810  00 

School. 

Principal. 

Pitkin,  Emily  R.t  . 

1844 

1871 

1913 

42 

69 

350  00 

70000 

School. 

Teacher. 

Robinson,  J.  A.,      . 

1852 

1888 

1913 

25 

61 

350  00 

700  00 

School. 

Teacher. 

Sawyer,  Mary  E.,   . 

1834 

1862 

1913 

51 

79 

35000 

700  00 

School. 

Teacher. 

Scudder,  Emma  A., 

1838 

1872 

1913 

41 

75 

45000 

900  00 

School. 

Teacher. 

Southwick,  John  S., 

1843 

1898 

1912 

14 

69 

57600 

1,092  00 

School. 

Janitor. 

Taylor,  Abbie  S.,    . 

1837 

1862 

1913 

51 

76 

35000 

750  00 

School 

Teacher. 

Whitcher,  Lydia  A., 

1843 

1869 

1913 

44 

70 

350  00 

700  00 

School. 

Teacher. 

Total  amount  of  pension,  $13,630.00. 


CHELSEA. 

Crane,  Wm.  P.,       . 

1846 

1892 

1912 

20 

66 

$546  00 

$1,092  00 

Police. 

Patrolman. 

Cullen,  Henry, 

1838 

1873 

1913 

40 

75 

351  00 

702  00 

Public  Works. 

Laborer. 

Edgett,  Milner  H., 

1862 

1898 

1912 

14 

50 

54600 

1,092  00 

Police. 

Patrolman. 

Hadley,  Geo.  A.r    . 

1848 

1867 

1910 

43 

62 

475  00 

950  00 

Fire. 

Fireman. 

Huston,  Elbridge  W.,     . 

1844 

1886 

1913 

27 

69 

520  00 

1,040  00 

School. 

Janitor. 

Orcutt,  John  A.,     . 

1844 

1868 

1908 

40 

64 

75  00 

15000 

Fire. 

Callman. 

Pepper,*Daniel  W., 

1834 

1862 

1908 

46 

74 

100  00 

150  00 

Fire. 

Callman. 

Reed,  Wm.  H., 

1861 

1885 

1905 

20 

44 

475  00 

95000 

Fire. 

Fireman. 

Smith,  Geo.'  A.,      . 

1856 

1884 

1912 

28 

56 

531  00 

1,062  00 

Fire. 

Fireman. 

Webber,  James  B., 

1854 

1890 

1906 

16 

52 

547  50 

1,095  00 

Police. 

Patrolman. 

Total  amount  of  pension,  $4,166.50. 


D  alt  on. 
Warren,  Sarah'JC.,  . 

- 

1880 

1910 

30 

- 

$25000 

$50000 

School. 

Teacher. 

Total  amount  of  pension,  $250. 


1914.1 


HOUSE  — No.  2450. 


223 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


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Easton. 

Lordan,  William,     . 

1841 

1883 

1913 

30 

72 

$271  44 

1542  88 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $271.44. 


EVEEETT. 

Horsman,  Henry  A., 

1857 

1890 

1912 

22 

55 

$546  00 

$1,092  00 

Police. 

Patrolman. 

Mann,  Ezekiel  F.f  . 

1837 

1898 

1913 

15 

76 

366  60 

733  20 

School. 

Janitor. 

Spaulding,  Jacob  C., 

1843 

1901 

1913 

12 

70 

279  24 

558  48 

School. 

Janitor. 

Total  amount  of  pension,  $1,191.84. 


FALL  RIVER. 

Brockleburst,  John, 

1839 

1869 

1909 

40 

70 

$400  00 

$1,200  00 

Police. 

Captain. 

Multon,  Andrew,    . 

1846 

1874 

1912 

38 

66 

400  00 

1,200  00 

Police. 

Lieutenant. 

Total  amount  of  pension,  $800. 


FITCHBURG. 

Carey,  Martin, 

1845 

1887 

1912 

25 

67 

$161  32 

$322  64 

Public  Works. 

Laborer. 

Carey,  Thomas, 

1841 

1893 

1913 

20 

72 

207  19 

414  38 

Public  Works. 

Laborer. 

Collett,  John, 

1846 

1888 

1913 

25 

67 

202  20 

404  40 

Public  Works. 

Laborer. 

Flynn,  Jeremiah,    . 

1843 

1873 

1913 

40 

70 

282  50 

565  00 

Public  Works. 

Laborer. 

Hackett,  Jas.  T.,     . 

1839 

1887 

1912 

25 

73 

196  94 

393  88 

Public  Works. 

Laborer. 

Morin,  Louis,  . 

1847 

1883 

1913 

30 

66 

265  32 

530  64 

Public  Works. 

Laborer. 

Shay,  Patrick, 

1853 

1883 

1913 

30 

60 

198  94 

397  87 

Public  Works. 

Laborer. 

Sheehan,  Timothy, 

1843 

1873 

1913 

40 

70 

343  15 

686  30 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $1,857.56. 


HAVERHILL. 

Caswell,  Augustus, 

1838 

1888 

1912 

24 

74 

$500  00 

$1,000  00 

Police. 

Patrolman. 

Jackson,  Samuel  C., 

1846 

1873 

1913 

40 

67 

500  00 

1,000  00 

Fire. 

Engineer. 

Lucy,  John  O., 

1837 

1880 

1912 

32 

75 

500  00 

1,00000 

Police. 

Patrolman  . 

Messer,  Leverett,    . 

1830 

1866 

1913 

47 

83 

325  00 

600  00 

Public  Bldg. 

Janitor. 

Tilton,  Edwin  W.,  . 

1870 

1896 

1909 

13 

39 

500  50 

200  00 

Fire. 

Callman. 

Total  amount  of  pension,  $2,325.50. 


224 


COMMISSION  ON  PENSIONS. 


[Apr. 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


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Castle,  John,  . 

1846 

1883 

1910 

27 

64 

$700  00 

$1,400  00 

Fire. 

Supt. 

Davis,  John  A., 

1844 

1884 

1906 

22 

62 

500  00 

1,00000 

Police. 

Patrolman. 

Knapp,  Charles,      . 

1838 

1870 

1910 

40 

72 

500  00 

1,000  00 

Fire. 

Engineer. 

Louney,  Cornelius  J.,     . 

1844 

1884 

1906 

22 

62 

500  00 

1,000  00 

Police. 

Patrolman. 

Shine,  Michael,       . 

1844 

1869 

1912 

43 

68 

550  00 

1,100  00 

Police. 

Patrolman 

Vachon,  John  A.,    . 

1857 

1892 

1912 

20 

55 

550  00 

1,10000 

Police. 

Patrolman. 

Total  amount  of  pension,  $3,300. 


Ipswich. 

Gilmore,  Geo.  H.  (widow 

1858 

_ 

1907 

_ 

49 

$30000 

_ 

Fire. 

Fireman. 

of). 

Total  amount  of  pension,  $300. 


Leominster. 

Ayers,  John,    . 

1839 

1877 

1912 

35 

73 

$244  92 

$491  00 

Public  Works. 

Laborer. 

Corey,  Samuel, 

1835 

1887 

1912 

25 

77 

138  12 

276  38 

Public  Works. 

Laborer. 

Foley,  Michael, 

1848 

1888 

1913 

25 

65 

213  24 

426  38 

Public  Works. 

Laborer. 

Marquis,  David  T., 

1837 

1888 

1913 

25 

76 

86  76 

173  50 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $683.04. 


LOWELL. 

Fox,  Edward, 

1845 

1884 

1910 

26 

65 

$501  84 

$1,003  68 

Police. 

Patrolman. 

Fox,  John  W., 

1867 

1891 

1908 

17 

41 

501  84 

1,003  68 

Police. 

Patrolman. 

Goodwin,  Frank,    . 

1845 

1872 

1910 

38 

65 

60000 

1,200  00 

Police. 

Inspector. 

Grinnell,  Enoch  N., 

1843 

1881 

1907 

26 

64 

501  84 

1,003  68 

Police. 

Patrolman. 

Hill,  James  E., 

1839 

1895 

1913 

18 

74 

352  13 

702  00 

Health. 

Laborer. 

Howard,  Cornelius, 

1847 

1884 

1909 

25 

62 

501  84 

1,003  68 

Police. 

Patrolman. 

Mackenzie,  John  R., 

1859 

1888 

1903 

15 

44 

501  84 

1,003  68 

Police. 

Patrolman. 

Mclntee,  Cormack, 

1847 

1885 

1910 

25 

63 

501  84 

1,003  68 

Police. 

Patrolman. 

Marshall,  Geo.  W., 

1856 

1884 

1910 

26 

54 

501  84 

1,003  68 

Police. 

Patrolman. 

Moffatt,  Wm.  B.,    . 

1853 

1881 

1909 

28 

56 

1,000  00 

2,000  00 

Police. 

Supt. 

1914.] 


HOUSE  — No.  2450. 


225 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


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LOWELL  —  Con. 

Mooie,  Francis  E., 

1851 

1889 

1911 

22 

60 

$501  84 

.$1,003  68 

Police. 

Patrolman. 

O'Connell,  John,     . 

1841 

1882 

1908 

26 

67 

501  84 

1,003  68 

Police. 

Patrolman. 

Provencher,  N., 

1855 

1884 

1912 

28 

57 

501  84 

1,003  68 

Police. 

Patrolman. 

Quinn,  Henry  F.,  . 

1850 

1887 

1910 

23 

60 

501  84 

1,003  68 

Police. 

Patrolman. 

Total  amount  of  pension,  $7,472.37. 


LYNN. 

Alley,  Alonzo, 

1849 

1865 

1912 

47 

63 

$550  00 

$1,100  00 

Fire. 

Engineer. 

Burnham,  Geo.  W., 

1842 

1891 

1912 

21 

70 

220  32 

440  64 

Public  Works. 

Laborer. 

Burrill,  Frank  A.,  . 

1843 

1888 

1911 

23 

68 

500  00 

1,000  00 

Police. 

Patrolman. 

Carroll,  Margaret,   . 

- 

- 

1910 

- 

- 

400  00 

800  00 

- 

(Special  Act.) 

Chad  well,  Fannie  M.,     . 

1848 

1868 

1909 

41 

61 

30000 

700  00 

School. 

Teacher. 

Chaffee,  Chas.  H.,  . 

1837 

1858 

1911 

53 

74 

525  00 

1,050  00 

Fire. 

Engineer. 

Chamberlain,  John, 

1840 

1892 

1912 

20 

72 

426  40 

852  80 

Public  Works. 

Inspector. 

Currant,  Thatcher, 

1844 

1894 

1912 

18 

68 

525  00 

1,050  00 

Police. 

Patrolman  . 

Cutcheon,  Clara,     . 

1854 

1875 

1911 

36 

57 

30000 

700  00 

School. 

Teacher. 

Fiske,  Maria  C.,      . 

1857 

1884 

1911 

27 

54 

300  00 

700  00 

School. 

Teacher. 

Foye,  Merritt  S.,     . 

1839 

1889 

1912 

23 

73 

420  00 

840  00 

Poor. 

Supt. 

Helan,  John,  . 

1830 

1878 

1913 

35 

83 

264  96 

529  92 

Public  Works. 

Laborer. 

Hi  Hiker,  Lucy  E.,  . 

1850 

1867 

1913 

46 

63 

300  00 

700  00 

School. 

Teacher. 

Hilliker,  Sarah  T., 

1853 

1870 

1913 

43 

60 

300  00 

700  00 

School. 

Teacher. 

Jeffers,  Geo.  W.,      . 

1848 

1902 

1912 

10 

64 

525  00 

1,050  00 

Police. 

Patrolman. 

Johnson,  Stephen  H.,     . 

1859 

1886 

1910 

24 

51 

500  00 

1,000  00 

Fire. 

Fireman. 

Jordan,  Henry  F.,  . 

1841 

1888 

1911 

23 

70 

550  00 

1,100  00 

Police. 

Lieutenant. 

Kennedy,  James,    . 

1852 

- 

1913 

- 

61 

300  00 

- 

- 

(Special  Act.) 

Lamphier,  Marcia, 

1865 

1884 

1913 

29 

48 

400.00 

1,200  00 

School. 

Teacher. 

Larrabee,  Emery  EM 

1845 

1902 

1912 

10 

67 

515  76 

1,000  00 

Police. 

Patrolman. 

Lee,  David,     . 

1846 

1880 

19  1 

31 

65 

500  00 

1.000  00 

Police. 

Patrolman. 

Lord,  John  A., 

1852 

1889 

1910 

21 

58 

125  00 

250  00 

Fire. 

Callman. 

Lowe,  Geo.  F., 

1871 

1903 

1912 

9 

41 

525  00 

1,050  00 

Fire. 

Fireman. 

Moulton,  Wm.  B.,  . 

1844 

18*88 

1912 

24 

68 

426  40 

852  80 

Publb  Works. 

Inspector. 

Partridge,  Otis, 

184b 

1882 

1911 

H 

65 

500  00 

1,000  00 

Fire. 

Fireman. 

226 


COMMISSION  ON  PENSIONS. 


[Apr. 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


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Pike,  George  M.,     . 

1845 

1880 

1911 

31 

66 

$550  00 

$1,100  00 

Police. 

Lieutenant. 

Robinson,  Frederick, 

1845 

1872 

1911 

39 

66 

500  00 

1,000  00 

Fire. 

Fireman. 

Rowell,  Nathaniel, 

1841 

1866 

1909 

43 

68 

525  00 

1,050  00 

Police. 

Sergeant. 

Seger,  Henry  F.,     . 

1836 

1894 

1912 

18 

76 

143  00 

286  00 

Public  Bldg. 

Laborer. 

Staton,  Clara  M.,    . 

1851 

1872 

1913 

41 

62 

300  00 

700  00 

School. 

Teacher. 

Staton,  Mary  R.,    . 

1848 

1871 

1913 

42 

65 

300  00 

700  00 

School. 

Teacher. 

Storer,  Eben  K.,     . 

1846 

1901 

1913 

12 

67 

384  98 

769  96 

Health. 

Laborer. 

Willey,  I.  Otis, 

1837 

1893 

1912 

19 

75 

550  00 

1,100  00 

Police. 

Patrolman. 

Wright,  Alex.  S.,     . 

1849 

1900 

1912 

12 

63 

549  96 

1,100  00 

Health. 

Inspector. 

Young,  C.  O.  B.,     . 

1843 

1878 

1911 

33 

68 

500  00 

1,000  00 

Fire. 

Fireman. 

Ziegler,  Richard  F., 

1851 

1883 

1910 

27 

59 

125  00 

250  00 

Fire. 

Callman. 

Total  amount  of  pension,  $14,626.78. 


MALDEN. 

Hadley,  Jonas  H.,  . 

1846 

1888 

1908 

20 

62 

$550  00 

$1,100  00 

Fire. 

Captain. 

Morrison,  Robt., 

1842 

1892 

1912 

20 

70 

600  00 

1,200  00 

School. 

Engineer. 

Murphy,  Julia  A.  (widow)  , 

- 

- 

1911 

- 

- 

300  00 

900  00 

Fire. 

Fireman. 

Peterson,  Robt.  W., 

1843 

1892 

1912 

20 

69 

50  00 

100  00 

Election. 

Reg.  of  voters. 

Reardon,  Owen, 

1844 

1892 

1912 

20 

68 

375  00 

750  00 

Public  Works. 

Laborer. 

Sanford,  Geo.  L.,    . 

1853 

1892 

1908 

16  55 

500  00 

1,000  00 

Fire. 

Fireman. 

Turner,  Frank, 

1848 

1893 

1913 

20   65 

850  00 

1,700  00 

Fire. 

Chief. 

Total  amount  of  pension,  $3,225. 


Marion. 
Parris,  Charlotte  D.,       . 

1842 

1862 

1913 

51 

71 

$266  00 

$532  00 

School. 

Teacher. 

Total  amount  of  pension,  $266. 


MARLBOROUGH. 

Callahan,  Jas.  L.,    . 

1848 

1890 

1913 

23 

65 

$458  28 

$1,000  00 

Police. 

Patrolman. 

O'Brien,  Terrence, 

1844 

1898 

1913 

15 

69 

327  60 

655  20 

Police. 

Reserveman. 

Bernard,  Dosithe,  . 

1845 

1890 

1913 

23 

68 

328  80 

657  60 

Police. 

Reserveman. 

Total  amount  of  pension,  $1,114.68. 


1914.1 


HOUSE  — No.  2450. 


227 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


I 

J 

c 

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1 

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i 

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NAME. 

,b 

a 

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Department. 

Rating. 

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i 

0 

• 

a 
d 

bl 

& 

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1 

£ 

1 

•9 

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MEDFORD. 

Grady,  John,  . 

1834 

1870 

1907 

37 

73 

$450  00 

$900  00 

Police. 

Patrolman. 

Holmes,  Emery  D., 

1846 

1883 

1912 

29 

66 

750  00      1,500  00 

Police. 

Chief. 

Total  amount  of  pension,  $1,200. 


Milton. 

Houghton,  Edwin  A.,     . 

1835 

1886 

1913 

27 

78 

$501  88 

$1,003  76 

Police. 

Keeper. 

McGowan,  Timothy, 

1842 

1890 

1913 

23 

71 

236  80 

473  60 

Public  Works. 

Laborer. 

Morrissey,  Michael, 

1834 

1885 

1912 

27 

78 

205  48 

410  96 

Public  Works. 

Laborer. 

Sears,  Ida  M., 

1854 

1878 

1913 

35 

59 

425  00 

850  00 

School. 

Teacher. 

Wales,  Geo.  E., 

1854 

1888 

1913 

25 

59 

350  00 

700  00 

School. 

Teacher. 

Wigley,  James, 

1844 

1884 

1913 

29 

G9 

547  50 

1,095  00 

Police. 

Patrolman. 

Total  amount  of  pension,  $2,266.66. 


Nahant. 

Tierney,  Peter, 

1844 

1888 

1913 

25 

69 

$243  00 

$486  00 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $243. 


NEW  BEDFORD. 

Briden,  Samuel, 

1840 

1899 

1913 

14 

73 

$305  76 

$615  10 

Public  Works. 

Bridge  tender. 

Rock,  Henry, 

1847 

1902 

1912 

10 

65 

260  00 

490  00 

Public  Works. 

Laborer. 

Weaver,  Stephen  V., 

1840 

1896 

1913 

17 

73 

533  87 

1,067  75 

Public  Works. 

Painter. 

Winslow,  Geo.  F.,  . 

1838 

1897 

1913 

16 

75 

453  44 

907  50 

Police. 

Keeper. 

1 

Total  amount  of  pension,  $1,553.07. 


NEWTON. 

Ammitage,  John,    . 

1837 

1875 

1913 

38 

76 

$54  25 

$108  50 

Public  Works. 

Laborer. 

Cannon,  Michael,    . 

1839 

1892 

1912 

20 

73 

172  50 

345  00 

Public  Works. 

Laborer. 

Coakley,  Patrick,    . 

1848 

1875 

1913 

38 

65 

232  44 

464  88 

Public  Works. 

Laborer. 

Dolan,  Thomas, 

1845 

1883 

1913 

30 

68 

450  00 

900  00 

Police. 

Driver. 

Foster,  John,  . 

1838 

1875 

1913 

38 

75 

121  26 

242  52 

Public  Works. 

Laborer. 

Hannegan,  Patrick, 

1832 

1875 

1913 

38 

81 

28  44 

56  88 

Public  Works. 

Laborer. 

Lahey,  James, 

1843 

1883 

1913 

30 

70 

13  69 

27  83 

Public  Works. 

Laborer. 

228 


COMMISSION  ON  PENSIONS. 


[Apr. 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Continued. 


NEWTON  —  Con. 

McCarthy,  John,     . 

1843 

1878 

1913 

35 

70 

$104  35 

$208  70 

Public  Works. 

Laborer. 

Madden,  Patrick,    . 

1838 

1877 

1913 

36 

75 

89  82 

179  64 

Public  Works. 

Laborer. 

Ryan,  John,    . 

1845 

1878 

1913 

35 

68 

1,000  00 

2,000  00 

Police. 

Captain. 

Sweeney,  William,  . 

1842 

1885 

1913 

28 

71 

140  81 

281  62 

Public  Works. 

Laborer. 

Vignoles,  Thomas,  . 

1839 

1884 

1913 

28 

74 

21  44 

42  88 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $2,429. 

Norwood. 

Dexter,  Charles  B., 

1838 

1901 

1913 

12 

75 

$307  00 

$614  00 

Public  Works. 

Supt. 

Total  amount  of  pension,  $307. 

PITTSFIELD. 

Deane,  James  F.,    . 

1850 

1887 

1913 

26 

63 

$600  00 

$1,200  00 

Police. 

Captain. 

Hogan,  Dennis, 

1855 

1886 

1913 

27 

58 

546  00 

1,092  00 

Police. 

Patrolman. 

Tobin,  William, 

1852 

1886 

1911 

25 

59 

546  00 

1,092  00 

Police. 

Patrolman. 

White,  William  G., 

1856 

1882 

1913 

31 

57 

750  00 

1,500  00 

Police. 

Chief. 

Total  amount  of  pension,  $2,442. 

QUINCY. 

Costa,  Charles  P.,  . 

1848 

1893 

1913 

20 

65 

$550  00    $1,100  00 

Fire. 

Captain. 

Total  amount  of  pension,  $550. 

SALEM. 

Arnold,  James  H.,  . 

1845 

1899 

1912 

13 

67 

$222  04 

$444  08 

Public  Bldg. 

Laborer. 

Bagley,  Patrick,      . 

1848 

1884 

1913 

29 

65 

200  00 

400  00 

Water. 

Laborer. 

Chamberlain,  Edw.  O.,  . 

1847 

1884 

1912 

28 

65 

500  48 

1,001  00 

Fire. 

Driver. 

Cole,  Chas.  H.,       . 

1835 

1898 

1913 

15 

78 

186  96 

373  92 

Public  Works. 

Laborer. 

Cunningham,  Wm.  H.,  . 

1843 

1873 

1913 

40 

70 

136  16 

272  32 

Public  Works. 

Laborer. 

Cook,  David  N.,     . 

1849 

1898 

1913 

15 

64 

692  40 

1,600  00 

Public  Works. 

Supt. 

Dennett,  Fred  J.,    . 

1859 

1898 

1913 

15 

54 

351  98 

703  96 

Public  Works. 

Laborer. 

Flynn,  Michael, 

1840 

1874 

1913 

39 

73 

499  72 

1,001  00 

Fire. 

Driver. 

Haley,  Humphrey, 

1843 

1883 

1913 

30 

70 

359  84 

719  68 

Public  Works. 

Laborer. 

1914.1 


HOUSE  —  No.  2450. 


229 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON — Continued. 


.  

± 

J 

a 

-T— 

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9 

d 

.2 

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NAME. 

1 

a 

u 

Retirem 

f  Service 

1 
8 

"3 

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Department. 

Rating. 

3 

0 

"3 

2 

a 

§ 

t-i  3 

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I* 

CO 

SALEM  —  Con. 

Hallahan,  Timothy, 

1843 

1883 

1913 

30 

70 

$171  76 

$343  52 

Public  Works. 

Laborer. 

McMahon,  John  J., 

1846 

1886 

1913 

27 

67 

285  48 

570  96 

Public  Works. 

Laborer. 

Miller,  Charles  H., 

1841 

1873 

1913 

40 

72 

499  72 

1,000.00 

Police. 

Patrolman. 

Smith,  Benj.  C.,     . 

1840 

1887 

1912 

25 

72 

253  44 

506  88 

Police. 

Patrolman. 

Southwick,  Edw.,  . 

1834 

1893 

1913 

20 

79 

349  96 

700  00 

Public  Bldg. 

Laborer. 

Still  man,  Amos, 

1844 

1874 

1913 

39 

69 

553  00 

1,100  00 

Public  Works. 

Supt. 

Tucker,  Thomas  D., 

1842 

1886 

1913 

27 

71 

220  48 

440  96 

Health. 

Laborer. 

Whelton,  John, 

1844 

1872 

1912 

40 

68 

229  84 

459  68 

Public  Works. 

Laborer. 

Wright,  George  S., 

1871 

1898 

1911 

13 

40 

504  00 

150  00 

Fire. 

Callman. 

Total  amount  of  pension,  $6,217.26. 


SOMERVILLE. 

1 

Bean,  George  W.,    . 

1839 

1875 

1902 

27   63 

$547  50 

$1,095  00 

Police. 

Patrolman. 

Blaisdell,  Wm.  J.,   . 

1846 

1889 

1910 

21 

64 

100  00 

200  00 

Fire. 

Callman. 

Bridges,  Chas.  H., 

1848 

1873 

1908 

35 

60 

10000 

200  00 

Fire. 

Callman. 

Carleton,  Ira  S.,      . 

1864 

1892 

1907 

15 

42 

547  50 

1,095  00 

Police. 

Patrolman. 

Chase,  James  H.,    . 

1838 

1890 

1913 

23 

75 

260  00 

52000 

Public  Bldg. 

Janitor. 

Cotty,  Edward,       . 

1844 

1888 

1913 

25 

69 

35040 

821  25 

Public  Works. 

Driver. 

Fuller,  John  E., 

1844 

1875 

1906 

31 

62 

547  50 

1,095  00 

Police. 

Patrolman. 

Gilman,  Arthur  M., 

1866 

1893 

1913 

20 

47 

650  00 

1,300  00 

Fire. 

Lieutenant. 

Hill,  John  E., 

1846 

1891 

1910 

19 

64 

10000 

200  00 

Fire. 

Callman. 

Hilton,  Herbert,     . 

1866 

1895 

1911 

16 

45 

574  87 

1,149  75 

Police. 

Patrolman. 

Hopkins,  James  R., 

1836 

1856 

1910 

54 

74 

1,200  00 

2,000  00 

Fire. 

Chief. 

Joy,  Thomas  W.,    . 

1846 

1891 

1910 

19 

64 

100  00 

200  00 

Fire. 

Callman. 

Parkhurst,  M.  C.,  . 

1842 

1868 

1908 

40 

66 

1,000  00 

2,00000 

Police. 

Chief. 

Pollard,  James  J.,  . 

1861 

1893 

1908 

15 

47 

547  50 

1,095  00 

Police. 

Patrolman. 

Pond,  Benjamin  H., 

1867 

1889 

1913 

24 

46 

700  00 

1,400  00 

Fire. 

Captain. 

Spike,  Daniel  R.,   . 

1844 

1880 

1910 

30 

66 

100  00 

20000 

Fire. 

Callman. 

Staples,  Albion  L., 

1837 

1875 

1905 

30 

68 

547  50 

1,095  00 

Police. 

Patrolman. 

Whalen,  Richard,    . 

1843 

1868 

1913 

45 

70 

324  61 

821  25 

Water. 

Laborer. 

Young,  Joseph, 

1836 

1871 

1913 

42 

77 

507  00 

1,014  00 

Public  Bldg. 

Janitor. 

Total  amount  of  pension,  $8,804.38. 


230 


COMMISSION  ON  PENSIONS. 


[Apr. 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON — Continued. 


J, 

A 

a 

a 

a 

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B 

4 

I 

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SPRINGFIELD. 

Barringer,  C.  S.t     . 

1850 

1875 

1908 

33 

58 

$465  00 

$930  00 

Fire. 

Fireman. 

Clark,  W.J  

1854 

1887 

1912 

25 

58 

87  50 

175  00 

Fire. 

Callman. 

DeForest,  Geo.  L., 

1854 

1884 

1912 

28 

58 

546  00 

1,095  00 

Police. 

Patrolman. 

Haynes,  Chas.  A.,  . 

1848 

1883 

1909 

26 

61 

600  00 

1,200  00 

Police. 

Inspector. 

Lee,  F.  G  

1870 

1900 

1907 

7 

37 

465  00 

930  00 

Fire. 

Fireman. 

Peters,  C.  W., 

1850 

1876 

1912 

36 

62 

87  50 

175  00 

Fire. 

Callman. 

Russ,  T.  B  

1847 

1867 

1912 

45 

65 

87  50 

175  00 

Fire. 

Callman. 

Ryan,  William, 

1843 

1883 

1913 

30 

70 

317  20 

634  40 

Public  Works. 

Laborer. 

Sibley,  William  H., 

1850 

1885 

1910 

25 

60 

546  00 

1,095  00 

Police. 

Patrolman. 

Stephens,  E.  T.,      . 

1854 

1886 

1912 

26 

58 

87  50 

175  00 

Fire. 

Callman. 

Stephens,  J.  A.,      . 

1840 

1856 

1908 

52 

68 

350  00 

700  00 

Fire. 

Callman. 

Wade,  A.  P.,   . 

1841 

1881 

1905 

24 

64 

87  50 

175  00 

Fire. 

Callman. 

Washburn,  D.  E., 

1840 

1895 

1913 

18 

73 

316  16 

632  32 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $4,042.86. 


Swampscott. 

Fernald,  Minnie  H., 

1852 

1888 

1913 

25 

61 

$325  00 

$65000 

School. 

Teacher. 

Hadley,  E.  J., 

1848 

1873 

1913 

40 

65 

334  00 

668  00 

School. 

Teacher. 

Total  amount  of  pension,  $659. 


WALTHAM. 

Bryant,  James  J.,   . 

1840 

1873 

1908 

35 

68 

$546  00 

$1,092  00 

Police. 

Patrolman. 

Field,  James,  . 

1835 

1889 

1912 

23 

77 

372  00 

744  00 

Public  Works. 

Laborer. 

Patch,  Samuel, 

1837 

1896 

1912 

16 

75 

600  00 

1,200  00 

Public  Bldg. 

Supt. 

Total  amount  of  pension,  $1,518. 


Watertown. 

Cooney,  Daniel  H., 

1853 

1884 

1911 

27 

58 

$624  00 

$1,248  00 

Police. 

Chief. 

Holt,  John  H.f 

1849 

1881 

1906 

25 

57 

637  00 

1,274  00 

Fire. 

Engineer. 

Parker,  George, 

1839 

1865 

1907 

42 

68 

491  40 

982  80 

Police. 

Patrolman. 

Total  amount  of  pension,  $1,752.40. 


1914.] 


HOUSE  — No.  2450. 


231 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON — Continued. 


NAME. 

Date  of  Birth. 

S 

°+s 

II 

Date  of  Retirement. 

J 

i 

Age  at  Retirement. 

Amount  of  Pension. 

1 
1 

83 

&1 

•3  S 

Department. 

Rating. 

Wellesley. 
Philips,  Alice  L.,     . 

1852 

1872 

1912 

40 

60 

$300  00 

$700  00 

School. 

Teacher. 

Total  amount  of  pension,  $300. 


Winchester. 
Kennedy,  Patrick  J.,      . 

1841 

1883 

1913 

30 

72 

$195  00 

$39000 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $195. 


WOBURN. 

Buckley,  Chas.  P., 

1851 

1890 

1910 

20 

59 

$450  00 

$900  00 

Fire. 

Fireman. 

Connolly,  John, 

1839 

1887 

1913 

26 

74 

342  75 

700  00 

Public  Bldg. 

Janitor. 

Connolly,  John  P., 

1838 

1888 

1913 

25 

75 

92  22 

184  44 

Public  Works. 

Laborer. 

Coughlin,  John, 

1840 

1887 

1912 

25 

72 

60  03 

120  06 

Public  Works. 

Laborer. 

Fountain,  Edward, 

1847 

1888 

1912 

24 

65 

457  50 

915  00 

Police. 

Patrolman. 

French,  Austin  G., 

1847 

1891 

1912 

21 

65 

457  50 

915  00 

Police. 

Patrolman. 

Kean,  Clarence  M., 

1848 

1887 

1912 

25 

64 

457  50 

915  00 

Police. 

Patrolman. 

Total  amount  of  pension,  $2,317.50. 


WORCESTER. 

Adams,  William  A., 

1853 

1880 

1911 

31 

58 

$637  50 

$1,275  00 

Fire. 

Captain. 

Atkinson,  Amos,     . 

1839 

1868 

1912 

44 

73 

900  00 

1,800  00 

Police. 

Chief. 

Barker,  Charles  W., 

1837 

1872 

1912 

40 

75 

501  87 

1,003  75 

Police. 

Patrolman. 

Coleman,  George  S., 

1842 

1870 

1912 

42 

70 

1,050  00 

2,100  00 

Fire. 

Chief. 

Dolan,  John,  . 

1848 

1888 

1913 

25 

65 

243  38 

486  76 

Public  Works. 

Laborer. 

Dowd,  Martin, 

1841 

1886 

1913 

27 

72 

214  09 

428  18 

Public  Works. 

Laborer. 

Fairbanks,  Edson,  . 

1838 

1868 

1912 

44 

74 

456  25 

912  50 

Police. 

Doorman. 

Flynn,  John,  . 

1845 

1883 

1913 

30 

68 

264  40 

528  80 

Public  Works. 

Laborer. 

Foley,  Michael  J.,  . 

1845 

1874 

1912 

38 

67 

501  87 

1,003  75 

Police. 

Patrolman. 

Hickey,  William,     . 

1840 

1884 

1912 

28 

72 

600  00 

1,200  00 

Police. 

Sergeant. 

Hogan,  Patrick, 

1846 

1887 

1913 

26 

67 

249  20 

498  40 

Public  Works. 

Laborer. 

Keyes,  John,  . 

1840 

1890 

1912 

22 

72 

501  87 

1,003  75 

Public  Works. 

Laborer. 

Legassey,  John  B., 

1842 

1882 

1912 

30 

70 

501  87 

1,003  75 

Public  Works. 

Laborer. 

Maloney,  James  M., 

1841 

1872 

1912 

40 

71 

456  25 

912  50 

Police. 

Doorman. 

232 


COMMISSION  ON  PENSIONS. 


[Apr. 


RETIRED  EMPLOYEES  OF  ALL  CITIES  AND  TOWNS,  EXCEPT  BOSTON  —  Concluded. 


1 

i 

t 

1 

I 

£ 

2, 

a 

I 

J 

1 

1 

1 

NAME. 

i 

"o   . 
& 

I 
1 

Years  of  Sei 

« 

M 

Amount  of 

3 

Department. 

Rating. 

WORCESTER  —  Con. 

March,  Addison,     . 

1839 

1868 

1912 

44 

73 

$501  87 

$1,003  75 

Police. 

Patrolman. 

Maroney,  Michael, 

1842 

1889 

1913 

24 

71 

158  12 

316  24 

Public  Works. 

Laborer. 

Matthews,  David  A., 

1847 

1872 

1913 

41 

66 

1,250  00 

2,500  00 

Police. 

Chief. 

Matthews,  Thomas  F.,   . 

1864 

1892 

1913 

21 

49 

547  50 

1,095  00 

Police. 

Patrolman. 

Millet,  F.  W  

1846 

1887 

1912 

25 

66 

501  87 

1,003  75 

Police. 

Patrolman. 

Moore,  James  W.,    . 

1869 

1888 

1907 

19 

38 

520  00 

520  00 

Fire. 

Callman. 

Powers,  Thomas,     . 

1844 

1876 

1913 

37 

69 

158  95 

317  90 

Public  Works. 

Laborer. 

Rockett,  William,  . 

1837 

1874 

1913 

39 

76 

234  60 

469  20 

Public  Works. 

Laborer. 

Ryan,  Patrick  F.,  . 

1846 

1889 

1912 

23 

66 

501  87 

1,003  75 

Police. 

Patrolman. 

Shaw,  James  D.,     . 

1842 

1866 

1913 

47 

71 

637  50 

1,275  00 

Fire. 

Chief. 

Streeter,  Henry  B., 

1835 

1868 

1912 

44 

77 

501  87 

1,003  75 

Police. 

Patrolman. 

Sweeney,  Adam, 

1837 

1885 

1913 

28 

76 

167  95 

335  90 

Public  Works. 

Laborer. 

Tierney,  James  J.,  . 

1850 

1890 

1912 

22 

62 

547  50 

1,095  00 

Police. 

Patrolman. 

Walsh,  Matthew  J., 

1841 

1874 

1912 

38 

71 

650  00 

1,300  00 

Police. 

Lieutenant. 

Warren,  John  W.,    . 

1845 

1883 

1912 

29 

67 

600  00 

1,200  00 

Police. 

Sergeant. 

Total  amount  of  pension,  $14,558.15. 

SUMMARY  OF  PENSION  PAYMENTS  BY  CITIES  OF  MASSACHUSETTS,  EXCEPT  BOSTON. 


CITY. 

Number 
of  Pen- 
sioners. 

Annual 
Cost. 

CITY. 

Number 
of  Pen- 
sioners. 

Annual 
Cost. 

Beverly  

2 

$1,000  00 

Medford  

2 

$1,200  00 

Brockton, 

3' 

1,352  78 

New  Bedford,  . 

4 

1,553  07 

Cambridge, 

66 

27,805  88 

Newton,    .... 

12 

2,429  00 

Chelsea  

10 

4,166  50 

Pittsfield. 

4 

2,442  00 

Everett  

3 

1,191  84 

Quincy  

1 

550  00 

Fall  River, 

2 

800  00 

Salem  

18 

6,217  26 

Fitchburg, 

8 

1,857  56 

Somerville, 

19 

8,804  38 

Haverhill, 

5 

2,325  50 

Springfield, 

13 

4,042  86 

Holyoke  

6 

3,300  00 

Waltham, 

3 

1,518  00 

Lowell  

14 

7,472  37 

Woburn  

7 

2,317  50 

Lynn,        .... 
Maiden, 

36 

7 

14,626  78 
3,225  00 

Worcester, 
Total, 

29 

14,558  15 

277 

$115,871  11 

Maryborough,    . 

3 

1,114  68 

1914.] 


HOUSE  — No.  2450. 


233 


SUMMARY  OF  PENSION  PAYMENTS  BY  TOWNS  OF  MASSACHUSETTS. 


Towx. 

Pension- 
ers. 

Total. 

TOWN. 

Pension- 
ers. 

Total. 

Andover,  .... 

1 

$300  00 

Milton, 

3 

$2  266  66 

Arlington, 

.    2 

750  36 

Nahant,    .... 

1 

243  00 

Brookline, 

12 

5,810  50 

Norwood, 

1 

30700 

Dalton  

1 

250  00 

Swampscott, 

2 

659  00 

Easton  

1 

271  44 

Watertown, 

3 

1,752  40 

Ipswich  

1 

300  00 

Wellesley, 

1 

30000 

Leominster, 

4 

683  04 

Winchester, 

1 

195  00 

Marion,     .... 

1 

266  00 

38 

$14,354  40 

BOSTON  FIREMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  107  OF  THE 
ACTS  OF  1880,  AND  SUBSEQUENT  ACTS. 


NAME. 

Date  of  Birth. 

a 

Date  of  Retirement.  J 

J 

Age  at  Retirement.  1 

Amount  of  Pension. 

1 
1 

>>"§ 

Department. 

Rating. 

Abbott,  Lewis  P.,  . 

1838 

1873 

1904 

31 

66 

$1,00000 

$2,00000 

Fire. 

District  chief. 

Adams,  Charles  T., 

1851 

1885 

1907 

22 

56 

700  00 

1,400  00 

Fire. 

Lieutenant. 

Adamson,  David  L., 

1848 

1873 

1893 

20 

45 

800  00 

1,500  00 

Fire. 

Clerk. 

Akerly,  Alonzo  C.,  Jr.,  . 

1874 

1898 

1908 

10 

34 

600  00 

1,200  00 

Fire. 

Ladderman. 

Albrecht,  Nicholas, 

1856 

1894 

1904 

10 

48 

300  00         200  00 

Fire. 

Callman. 

Andrews,  Thomas  A.,     . 

1851 

1879 

1909 

30 

58 

650  00 

1,300  00 

Fire. 

Engineer. 

Bailey,  James  F.,    . 

1872 

1896 

1912 

16 

40 

650  00 

1,300  00 

Fire. 

Ladderman. 

Barrus,  Joseph  C., 

1854 

1874 

1893 

19 

39 

600  00 

1,200  00 

Fire. 

Ladderman. 

Bartlett,  Robert  E., 

1854 

1874 

1898 

24 

44 

800  00 

1,60000 

Fire. 

Captain. 

Baumeister,  John,  . 

1847 

1870 

1909 

39 

62 

700  00 

1,400  00 

Fire. 

Lieutenant. 

Baynton,  Alfred  G., 

1851 

1874 

1899 

25 

48 

125  00 

200  00 

Fire. 

Callman. 

Berry,  George  W.,  . 

1836 

1871 

1895 

24 

59 

125  00 

20000 

Fire. 

Callman. 

Bird,  Joseph  W.,     . 

1846 

1876 

1907 

31 

61 

600  00 

1,200  00 

Fire. 

Ladderman. 

Bird,  Nathaniel  H., 

1835 

1870 

1897 

27 

62 

65000 

1,300  00 

Fire. 

Engineer. 

Black,  David  S.,     . 

1838 

1870 

1898 

28 

60 

600  00 

1,200  00 

Fire. 

Ladderman. 

Blaisdell,  George  S., 

1846 

1880 

1904 

24 

58 

125  00 

200  00 

Fire. 

Callman. 

Boardman,  Charles  D.,  . 

1842 

1874 

1908 

34 

66 

600  00 

1,200  00 

Fire. 

Ladderman. 

Boggs,  Thomas  F.,  . 

1852 

1873 

1910 

37 

58 

600  00 

1,200  00 

Fire. 

Ladderman. 

Bolton,  Joseph  F.,  . 

1843 

1863 

1906 

43 

63 

125  00 

250  00 

Fire. 

Callman. 

Booker,  Oliver  J.,   . 

1834 

1868 

1906 

38 

72 

600  00 

1,200  00 

Fire. 

Hoseman. 

234 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  FIREMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  107  OF  THE 
ACTS  OF  1880,  AND  SUBSEQUENT  ACTS  —  Continued. 


NAME. 

Date  of  Birth.  j 

^L 

a 

! 

*  «i 

ji 

Date  of  Retirement.  1 

Years  of  Service.  \ 

Age5  at  Retirement,  j 

Amount  of  Pension. 

1 

I 

4* 

03 

b| 

03  g 
1 

•  Department. 

Rating. 

Boudreau,  Charles  P.,    . 

1873 

1896 

1902 

6 

29 

$600  00 

$1,200  00 

Fire. 

Hoseman. 

Bowman,  Erwin  C., 

1850 

1874 

1895 

21 

45 

600  00 

1,200  00 

Fire. 

Hoseman. 

Brown,  Anor  W.,     . 

1840 

1874 

1895 

21 

55 

933  33 

1,400  00 

Fire. 

Lieutenant. 

Brown,  Joseph  H., 

1849 

1875 

1908 

33 

59 

125  00 

250  00 

Fire. 

Callman. 

Brown,  Joseph  H.  E.,     . 

1880 

1905 

1912 

7 

32 

600  00 

1,200  00 

Fire. 

Ladderman. 

Bryan,  William  F., 

1879 

1902 

1913 

11 

34 

650  00 

1,300  00 

Fire. 

Hoseman. 

Bullard,  George  D., 

1849 

1882 

1907 

25 

58 

600  00 

1,200  00 

Fire. 

Hoseman. 

Burley,  Frank  G.,  . 

1839 

1875 

1904 

21 

65 

650  00 

1,300  00 

Fire. 

Engineer. 

Burns,  Matthew,     . 

1850 

1882 

1908 

26 

58 

600  00 

1,200  00 

Fire. 

Hoseman. 

Burt,  Waldo  C.,      . 

1856 

1890 

1907 

17 

51 

125  00 

200  00 

Fire. 

Callman. 

Callahan,  Daniel  T., 

1865 

1890 

1901 

11 

36 

600  00 

1,200  00 

Fire. 

Hoseman. 

Carpenter,  Benj.  W., 

1835 

1870 

1897 

27 

62 

650  00 

1,300  00 

Fire. 

Engineer. 

Chaplin,  Charles  M.,      . 

1846 

1866 

1911 

45 

65 

800  00 

1,600  00 

Fire. 

Operator. 

Chapman,  John  R., 

1842 

1873 

1905 

32 

63 

600  00 

1,200  00 

Fire. 

Hoseman. 

Coffey,  Daniel  J.,   . 

1869 

1898 

1908 

10 

39 

600  00 

1,200  00 

Fire. 

Hoseman. 

Coleman,  George  H., 

1862 

1892 

1908 

16 

46 

600  00 

1,200  00 

Fire. 

Hoseman. 

Colpoys,  William  P., 

1879 

1902 

1908 

6 

29 

600  00 

1,200  00 

Fire. 

Ladderman. 

Condry,  William,    . 

1851 

1874 

1913 

39 

62 

650  00 

650  00 

Fire. 

Hoseman. 

Crane,  Francis  H., 

1851 

1874 

1907 

33 

56 

125.00 

200  00 

Fire. 

Callman. 

Crowley,  John  J.,    . 

1874 

1897 

1910 

13 

36 

600  00 

1,200  00 

Fire. 

Ladderman. 

Cummings,  Robert, 

1857 

1888 

1909 

21 

52 

650  00 

1,300  00 

Fire. 

Engineer. 

Dennison,  Gardner, 

1856 

1888 

1907 

19 

51 

125  00 

200  00 

Fire. 

Callman. 

Desorgher,  John  A., 

1848 

1874 

1907 

33 

59 

125  00 

200  00 

Fire. 

Callman. 

Doherty,  Daniel  J., 

1856 

1884 

1908 

24 

52 

600  00 

1,200  00 

Fire. 

Hoseman. 

Donnell,  Octavius, 

1848 

1881 

1908 

27 

60 

650  00 

1,300  00 

Fire. 

Engineer. 

Donnelly,  George  R., 

1856 

1882 

1913 

31 

57 

650  00 

650  00 

Fire. 

Hoseman. 

Dooley,  James  A.,  . 

1850 

1880 

1908 

28 

58 

125  00 

200  00 

Fire. 

Callman. 

Dooley,  Ignatius  H., 

1870 

1894 

1905 

11 

35 

600  00 

1,200  00 

Fire. 

Ladderman. 

Downey,  James  E., 

1872 

1895 

1913 

18 

41 

650  00 

1,300  00 

Fire. 

Hoseman. 

Dunn,  Martin  J.,    . 

1858 

1886 

1900 

14 

42 

933  33 

1,400  00 

Fire. 

Lieutenant. 

Dwight,  Henry  C., 

1846 

1874 

1910 

36 

64 

600  00 

1,200  00 

Fire. 

Hoseman. 

Egan,  Edward  J.,    . 

1886 

1907 

1913 

6 

27 

500  00 

1,000  00 

Fire. 

Hoseman. 

Emery,  Franklin  C.  P.,  . 

1842 

1870 

1898 

28 

56 

125  00 

200  00 

Fire. 

Callman. 

1914.] 


HOUSE  — No.  2450. 


235 


BOSTON  FIREMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  107  OF  THE 
ACTS  OF  1880,  AND  SUBSEQUENT  ACTS  —  Continued. 


NAME. 

Date  of  Birth. 

J, 

a 

< 
°^ 

i' 

Date  of  Retirement.  I 

Years  of  Service. 

Age  at  Retirement.  I 

Amount  of  Pension. 

I 
* 

FH    C 

•""•  S 

Department. 

Rating. 

Engler,  Samuel, 

1873 

1897 

1909 

12 

36 

$600  00 

$1,200  00 

Fire. 

Engineer. 

Ewers,  John  H., 

1848 

1873 

1907 

34 

59 

800  00 

1,600  00 

Fire. 

Captain. 

Feeley,  Jeremiah  A., 

1878 

1905 

1913 

8 

35 

65000 

1,300  00 

Fire. 

Ladderman. 

Fitzgerald,  James  D., 

1863 

1890 

1905 

15 

42 

600  00 

1,200  00 

Fire. 

Hoseman. 

Flanagan,  John  J., 

1858 

1885 

1911 

26 

53 

800  00 

1,600  00 

Fire. 

Captain. 

Flanagan,  Thomas  B.,    . 

1848 

1878 

1911 

33 

63 

700  00 

1,400  00 

Fire. 

Lieutenant. 

Flanders,  Brown  S., 

1836 

1864 

1910 

46 

74 

1,600  00 

3,200  00 

Fire. 

Supt. 

Fletcher,  Stephen  W.,     . 

1837 

1873 

1900 

27 

63 

600  00 

1,200  00 

Fire. 

Hoseman. 

Flynn,  Philip  G.t   . 

1861 

1886 

1912 

2G 

51 

700  00 

1,400  00 

Fire. 

Lieutenant. 

Frasier,  Charles  W., 

1870 

1895 

1906 

11 

36 

650  00 

1,300  00 

Fire. 

Engineer. 

Fratus,  Frank  L.,   . 

1866 

1895 

1912 

17 

46 

125  00 

200  00 

Fire. 

Callman. 

Frost,  George  W.,   . 

1838 

1868 

1907 

39 

69 

800  00 

1,600  00 

Fire. 

Captain. 

Fruean,  Edmund,  . 

1843 

1870 

1905 

35 

62 

125  00 

200  00 

Fire. 

Callman. 

Gaffey,  James  E.,  . 

1862 

1886 

1908 

22 

46 

600  00 

1,200  00 

Fire. 

Hoseman. 

Gale,  John  W., 

1847 

1874 

1907 

33 

60 

600  00 

600  00 

Fire. 

Hoseman. 

Gallagher,  Robert  J.,      . 

1845 

1874 

1909 

35 

64 

650  00 

1,300  00 

Fire. 

Engineer. 

Galvin,  James  F.,  . 

1859 

1884 

1902 

18 

43 

600  00 

1,200  00 

Fire. 

Hoseman. 

Garrity,  Joseph  M., 

1862 

1886 

1910 

24 

48 

1,333  33 

2,00000 

Fire. 

District  chief. 

George,  Cyrus  A.,  . 

1839 

1865 

1911 

46 

72 

1,000  00 

2,000  00 

Fire. 

Asst.  supt. 

Gibbons,  John, 

1877 

1905 

1910 

5 

33 

600  00 

1,200  00 

Fire. 

Hoseman. 

Gill,  William  H.,     . 

1857 

1892 

1908 

16 

51 

600  00 

1,200  00 

Fire. 

Ladderman. 

Gordon,  Jason, 

1847 

1870 

1895 

25 

48 

300  00 

200  00 

Fire. 

Callman. 

Gordon,  Rastus, 

1847 

1872 

1895 

23 

48 

125  00 

200  00 

Fire. 

Callman. 

Gowan,  Thomas  W.t 

1830 

1860 

1893 

33 

63 

80000 

1,600  00 

Fire. 

Captain. 

Greeley,  William  C.,       . 

1868 

1894 

1912 

18 

44 

800  00 

1,600  00 

Fire. 

Lieutenant. 

Greenwood,  John  F., 

1841 

1870 

1905 

35 

64 

125  00 

200  00 

Fire. 

Callman. 

Griffin,  Charles  M., 

1864 

1895 

1910 

15 

46 

60000 

1,200  00 

Fire. 

Asst.  engineer. 

Hall,  William  H.,    . 

1843 

1877 

1896 

19 

53 

125  00 

200  00 

Fire. 

Callman. 

Haney,  Thomas  C., 

1851 

1874 

1904 

30 

53 

866  67 

1,300  00 

Fire. 

Master  carp. 

Hartnett,  Henry,    . 

1874 

1902 

•1911 

9 

37 

800  00 

1,200  00 

Fire. 

Hoseman. 

Hayes,  Fred  W.,      . 

1854 

1874 

1912 

38 

58 

650  00 

1,300  00 

Fire. 

Hoseman. 

Hawkins,  Henry  M.,      . 

1840 

1861 

1906 

45 

66 

1,000  00 

2,000  00 

Fire. 

Supt.  repairs. 

Hedrington,  Dennis  J.,  . 

1859 

1888 

1913 

25 

54 

650  00 

1,300  00 

Fire. 

Ladderman. 

236 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  FIREMEN  RETIRED  UNDER  THE  PROVISIONS  OP  CHAPTER  107  OP  THE 
ACTS  OF  1880,  AND  SUBSEQUENT  ACTS  —  Continued. 


NAME. 

Date  of  Birth. 

| 

I 

a 
<J 

"3  . 

j« 

Date  of  Retirement.  1 

Years  of  Service.  ; 

Age  at  Retirement.  1  1 

Amount  of  Pension. 

1 

* 

>>£ 
§§ 

I3 

Department. 

Rating. 

Heymann,  Henry, 

18S3J  187 

191C 

37 

5 

$650  00 

$1,300  00 

Fire. 

Engineer. 

Hickey,  Jeremiah  J., 

1865 

189 

190£ 

13 

4 

600  00 

1,200  0 

Fire. 

Hoseman. 

Hickey,  Peter  J.,    . 

1870 

188 

190C 

3 

600  00 

1,200  00 

Fire. 

Hoseman. 

Hickey,  William  J., 

1863 

188 

1907 

23 

4 

60000 

1,200  0 

Fire. 

Hoseman. 

Holton,  John  C.,     . 

1872 

189 

190S 

14 

3 

60000 

1,200  00 

Fire. 

Hoseman. 

Howard,  John  E.,  . 

1881 

1904 

190S 

2 

60000 

1,200  00 

Fire. 

Hoseman. 

Hoyt,  Joseph  H.,    . 

1848 

1882 

1905 

23 

5 

125  00 

200  00 

Fire. 

Callman. 

Hurley,  Charles  P.  A.,  . 

1881 

1904 

1909 

5 

28 

60000 

1,200  00 

Fire. 

Ladderman. 

Jeffrey,  Erastus  E., 

1833 

1859 

1903 

44 

70 

650  00 

1,300  00 

Fire. 

Engineer. 

Jones,  Henry  H.,    . 

1844 

1874 

1898 

24 

54 

125  00 

200  00 

Fire. 

Callman. 

Keyes,  Patrick  E., 

1850 

1875 

1907 

32 

57 

1,00000 

2,000  00 

Fire. 

District  chief. 

Kelley,  John  D.,     . 

1842 

1874 

1893 

19 

51 

800  00 

1,20000 

Fire. 

Hoseman. 

Kelton,  Moses  B.,  . 

1838 

1876 

1893 

17 

55 

125  00 

25000 

Fire. 

Callman. 

Knights,  John, 

1847 

1873 

1893 

20 

46 

1,066  67 

1,60000 

Fire. 

Captain. 

Lally,  Thomas  P.,  . 

1846 

1868 

1907 

39 

61 

700  00 

1,400  00 

Fire. 

Lieutenant. 

Lally,  William, 

1866 

1890 

1913 

23 

47 

800  00 

1,600  00 

Fire. 

Lieutenant. 

Laskey,  Albert  M., 

1865 

1889 

1912 

23 

47 

650  00 

1,300  00 

Fire. 

Ladderman. 

Lee,  John, 

1852 

1882 

1910 

28 

58 

650  00 

1,300  00 

Fire. 

Engineer. 

Le  Favor,  James  H., 

1841 

1863 

1904 

41 

63 

800  00 

1,600  00 

Fire. 

Captain. 

Leonard,  Michael  C., 

1858 

1882 

1909 

27 

51 

80000 

1,600  00 

Fire. 

Captain. 

Littleton,  James  M., 

1851 

1871 

1909 

38 

58 

800  00 

1,600  00 

Fire. 

Captain. 

Lynch,  John,  . 

1851 

1875 

1909 

34 

58 

600  00 

1,200  00 

Fire. 

Ladderman. 

Mahegan,  John  A., 

1867 

1891 

1905 

14 

38 

600  00 

1,200  00 

Fire. 

Hoseman. 

Mason,  Rufus  L.,    . 

1838 

1871 

1900 

29 

62 

650  00 

1,300  00 

Fire. 

Engineer. 

Matthews,  Peter  A., 

1868 

1892 

1912 

20 

44 

80000 

1,600  00 

Fire. 

Lieutenant. 

McCarthy,  William, 

1873 

1897 

1  10 

13 

37 

600  00 

1,200  00 

Fire. 

Hoseman. 

McCormack,  William  T., 

1852 

1880 

1912 

32 

60 

650  00 

1,300  00 

Fire. 

Hoseman. 

McDonald,  Daniel  F.,    . 

1875 

1900 

1911 

11 

30 

600  00 

1,200  00 

Fire. 

Hoseman. 

McDonald,  William  H.,  . 

1858 

1887 

1913 

26 

55 

650  00 

1,300  00 

Fire. 

Hoseman. 

McGarr,  John  H.,  . 

1850 

1883 

1903 

20 

53 

600  00 

1,200  00 

Fire. 

Hoseman. 

Mclntyre,  Edward  J.,     . 

1871 

1893 

1911 

12 

40 

600  00 

1,200  00 

Fire. 

Ladderman. 

McLaughlin,  John  A.,     . 

1877 

1900 

1907 

7 

30 

600  00 

1,200  00 

Fire. 

Hoseman. 

McLean,  Duncan,  . 

1849 

1880 

1908 

28 

59 

800  00 

1,600  00 

Fire. 

Captain. 

1914.] 


HOUSE  — No.  2450. 


237 


BOSTON  FIREMEN 
ACTS 


RETIRED   UNDER  THE   PROVISIONS   OF   CHAPTER 

OF  1880,  AND  SUBSEQUENT  ACTS  —  Continued. 


107   OF  THE 


NAME. 

Date  of  Birth. 

J, 

a 

a 

a 
4 

"8^. 

Date  of  Retirement.  1 

Years  of  Service. 

fl 

I 

3 

So 

Amount  of  Pension. 

J 

1 
* 

il 

Is 

Department. 

Rating. 

McManus,  John  P., 

1856 

1884 

1911 

27 

55 

$1,066  67 

$1,600  00 

Fire. 

Captain. 

Melody,  Thomas  J., 

1864 

1894 

1901 

7 

37 

60000 

1,200  00 

Fire. 

Hoseman. 

Merrill,  Leonard  F., 

1838 

1869 

1893 

24 

55 

125  00 

25000 

Fire. 

Callman. 

Miller,  Charles,        . 

1835 

1872 

1898 

26 

63 

600  00 

1,200  00 

Fire. 

Asst.  eng. 

Mullen,  Martin  J.,  . 

1880 

1909 

1912 

3 

32 

550  00 

1,100  00 

Fire. 

Hoseman. 

Murnan,  John  H.,  . 

1859 

1888 

1909 

21 

50 

60000 

1,200  00 

Fire. 

Hoseman. 

Murphy,  Joseph,     . 

1875 

1898 

1913 

15 

38 

650  00 

1,300  00 

Fire. 

Hoseman. 

Murphy,  John  J.,    . 

1861 

1892 

1907 

15 

46 

800  00 

1,200  00 

Fire. 

Hoseman. 

Nannery,  Thomas, 

1838 

1865 

1903 

38 

65 

650  00 

1,300  00 

Fire. 

Engineei. 

Neal,  John,     . 

1843 

1874 

1904 

30 

61 

700  00 

1,400  00 

Fire. 

Lieutenant. 

Nolan,  Joseph, 

1850 

1882 

1910 

28 

60 

600  00 

1,200  00 

Fire. 

Hoseman. 

Noon,  William  J.,   . 

1861 

1890 

1909 

19 

48 

125  00 

200  00 

Fire. 

Callman. 

O'Connell,  David  J.,      . 

1846 

1875 

1912 

37 

66 

700  00 

1,400  00 

Fire. 

Engineer. 

O'Connell,  Thomas  A.,  . 

1882 

1906 

1911 

5 

29 

600  00 

1,200  00 

Fire. 

Ladderman. 

O'Hare,  Martin  M., 

1866 

1889 

1902 

13 

36 

600  00 

1,200  00 

Fire. 

Hoseman. 

O'Riordan,  Daniel, 

1852 

1882 

1908 

26 

56 

125  00 

20000 

Fire. 

Callman. 

Perry,  Alfred  H.,    . 

1833 

1865 

1898 

33 

65 

650  00 

1,300  00 

Fire. 

Engineer. 

Perry,  John  J., 

1866 

1894 

1903 

14 

42 

600  00 

1,200  00 

Fire. 

Hoseman. 

Phillips,  John  G.,  . 

1837 

1870 

1895 

25 

58 

125  00 

25000 

Fire. 

Callman. 

Pine,  Joseph  S., 

1845 

1879 

1896 

17 

51 

600  00 

1,200  00 

Fire. 

Hoseman. 

Pitcher,  Henry  P., 

1840 

1876 

1907 

31 

67 

700  00 

1,400  00 

Fire. 

Lieutenant. 

Poor,  Charles  F.,     . 

1852 

1874 

1897 

23 

45 

800  00 

1,600  00 

Fire. 

Captain. 

Prendergast,  John, 

1850 

1882 

1910 

28 

60 

60000 

1,200  00 

Fire. 

Ladderman. 

Putnam,  Uzziel, 

1837 

1853 

1910 

57 

73 

800  00 

1,600  00 

Fire. 

Operator. 

Quigley,  John  I.,     . 

1855 

1884 

1913 

29 

58 

650  00 

1,300  00 

Fire. 

Hoseman. 

Rathburn,  William  A.,  . 

1845 

1874 

1907 

33 

62 

60000 

1,200  00 

Fire. 

Hoseman. 

Reiley,  George  B., 

1836 

1874 

1901 

27 

65 

800  00 

1,600  00 

Fire. 

Captain. 

Restarick,  Robert  J.,      . 

1859 

1888 

1907 

19 

48 

60000 

1,200  00 

Fire. 

Ladderman  . 

Reynolds,  James  F., 

1839 

1874 

1898 

24 

59 

125  00 

250  00 

Fire. 

Callman. 

Rhodes,  Frank  G., 

1853 

1875 

1908 

33 

55 

125  00 

200  00 

Fire. 

Callman  . 

Riley,  Charles, 

1833 

1863 

1900 

37 

67 

650  00 

1,300  00 

Fire. 

Engineer. 

Riley,  James  H.,     . 

1861 

1890 

1907 

17 

46 

650  00 

1,300  00 

Fire. 

Engineer. 

Riley,  Joseph, 

1840 

1874 

1898 

24 

58 

125  00 

250  00 

Fire. 

Callman. 

238 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  FIREMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  107  OF  THE 
ACTS  OF  1880,  AND  SUBSEQUENT  ACTS  —  Continued. 


NAME. 

Date  of  Birth. 

| 

a 
3 

o^ 

l« 

Date  of  Retirement. 

Years  of  Service. 

-+-> 
ti 

1 

3 

1 

Amount  of  Pension. 

1 

If 

Department. 

Rating. 

Ryan,  Edward  J.,  . 

1871 

1893 

1906 

13 

35 

$60000 

$1,200  00 

Fire. 

Ladderman  . 

Scallan,  Lawrence, 

1842 

1874 

1907 

33 

65 

600  00 

1,200  00 

Fire. 

Ladderman. 

Scannell,  John  D., 

1846 

1870 

1907 

37 

61 

125  00 

200  00 

Fire. 

Callman. 

Scott,  Andrew  C.t 

1852 

1871 

1895 

24 

43 

800  00 

1,500  00 

Fire. 

Clerk. 

Seaver,  William  F., 

1845 

1874 

1913 

31 

68 

125  00 

250  00 

Fire. 

Callman. 

Shea,  Jeremiah  F., 

1857 

1887 

1907 

20 

50 

125  00 

200  00 

Fire. 

Callman. 

Silva,  Joseph  H.t    . 

1867 

1891 

1907 

16 

40 

600  00 

1,200  00 

Fire. 

Ladderman  . 

Smith,  Charles  P., 

1851 

1874 

1905 

31 

54 

800  00 

1,600  00 

Fire. 

Captain. 

Smith,  Edmund  B., 

1845 

1870 

1902 

32 

57 

800  00 

1,600  00 

Fire. 

Captain. 

Smith.  Frank  B.,    . 

1863 

1890 

1909 

19 

46 

125  00 

200  00 

Fire. 

Callman. 

Smith,  Frank  H.f  . 

1858 

1885 

1903 

18 

45 

700  00 

1,400  00 

Fire. 

Lieutenant. 

Smith,  George  S.,  . 

1842 

1874 

1905 

31 

63 

125  00 

250  00 

Fire. 

Callman. 

Smith,  Hiram  D.,  . 

1844 

1867 

1906 

39 

62 

1,000  00 

2,000  00 

Fire. 

District  chief. 

Smith,  John  W.,     . 

1839 

1872 

1903 

31 

64 

600  00 

1,200  00 

Fire. 

Hoseman. 

Smith,  William  H., 

1860 

1891 

1909 

18 

49 

600  00 

1,200  00 

Fire. 

Hoseman. 

Snow,  Alva  D., 

1840 

1874 

1890 

1C 

50 

600  00 

1,200  00 

Fire. 

Hoseman. 

Sparks,  Irving, 

1868 

1893 

1908 

15 

40 

80000 

1,600  00 

Fire. 

Captain. 

Spencer,  George  L., 

1847 

1876 

1906 

30 

59 

600  00 

1,200  00 

Fire. 

Hoseman. 

Sprague,  Augustus  W.,  . 

1850 

1875 

1905 

30 

55 

125  00 

200  00 

Fire. 

Callman. 

Stimson,  George  W., 

1847 

1868 

1910 

42 

63 

1,000  00 

2,000  00 

Fire. 

Vet.  surgeon. 

Stinson,  George  H., 

1854 

1882 

1891 

9 

37 

800  00 

1,200  00 

Fire. 

Ladderman. 

Stern,  Edward  R., 

1861 

1883 

1913 

30 

52 

700  00 

1,400  00 

Fire. 

Engineer. 

Stevens,  Charles  W., 

1858 

1883 

1893 

10 

35 

60000 

1,200  00 

Fire. 

Hoseman. 

Strangman,  J., 

1839 

1870 

.1907 

37 

68 

125  00 

200  00 

Fire. 

Callman. 

Straw,  Charles  A.,  . 

1854 

1875 

1907 

32 

53 

600  00 

1,600  00 

Fire. 

Purch.  officer. 

Sullivan,  Jeremiah  F.,    . 

1858 

1887 

1901 

14 

43 

600  00 

1,200  00 

Fire. 

Hoseman. 

Swift,  George  C.,    . 
Thayer,  Minot  B.,  . 

1859 
1839 

1880 
1870 

1912 
1907 

32 
37 

53 

68 

650  00 
125  00 

1,300  00 
200  00 

Fire. 
Fire. 

Hoseman. 
Callman. 

Titus,  George  F.,    . 

1847 

1874 

1906 

32 

59 

800  00 

1,600  00 

Fire. 

Captain. 

Turnbull,  Frank,    . 

1842 

1874 

1912 

38 

70 

650  00 

1,300  00 

Fire. 

Hoseman. 

Turner,  Charles  E., 

1860 

1895 

1912 

17 

52 

125  00 

200  00 

Fire. 

Callman. 

Twiss,  George  H.,  . 

1860 

1881 

1913 

32 

53 

800  00 

1,600  00 

Fire. 

Lieutenant. 

VanlEtten,  Wm.  J., 

1854 

1883 

1908 

25 

54 

125  00 

200  00 

Fire. 

Callman. 

1914.] 


HOUSE  — No.  2450. 


239 


BOSTON  FIREMEN 
ACTS 


RETIRED   UNDER  THE   PROVISIONS   OF   CHAPTER    107    OF  THE 

OF  1880,  AND  SUBSEQUENT  ACTS  —  Concluded. 


NAME. 

Date  of  Birth. 

.i 
g 

< 

** 

JI 

Date  of  Retirement.  1 

Years  of  Service. 

Age  at  Retirement.  1  1 

Amount  of  Pension. 

| 

1 

* 

£g 

Department. 

Rating. 

Walters,  James  M., 

1859 

1888 

1902 

14 

43 

8600  00 

$1,200  00 

Fire. 

Hoseman. 

Welch,  Patrick  J.,  Jr.,     . 

1865 

1891 

1902 

11 

37 

600  00 

1,200  00 

Fire. 

Hoseman. 

Weltch,  Thomas  H., 

1850 

1873 

1913 

40 

63 

900  00 

1,800  00 

Fire. 

'  Captain. 

Western,  John  T.,    . 

1856 

1876 

1913 

37 

57 

700  00 

1,400  00 

Fire. 

Engineer. 

Wharton,  John  E., 

1848 

1873!  1905 

32 

57 

125  00 

250  00 

Fire. 

Callman. 

Wheeler,  Frank  T., 

1868 

1896 

1911 

15 

43 

600  00 

1,200  00 

Fire. 

Laddeiman. 

Whitehead,  Edwin  A.f    . 

1834 

1871 

1898 

27 

64 

60000 

1,200  00 

Fire. 

Hoseman. 

Wild,  Warren  T.,     . 

1842 

1874 

1903 

29 

61 

125  00 

200  00 

Fire. 

Callman. 

Wfflett,  Charles  C., 

1850 

1874 

1893 

19 

43 

1,066  67 

1,600  00 

Fire. 

Captain. 

Williams,  George  R., 

1840 

1868 

1907 

39 

67 

600  00 

1,200  00 

Fire. 

Ladderman. 

Withington,  Lemuel  A.,  . 

1853 

1895 

1912 

17 

59 

125  00 

200  00 

Fire. 

Callman. 

Wood,  Joseph  W.,    . 

1876 

1901 

1910 

0 

34 

800  00 

1,200  00 

Fire. 

Hoseman. 

Wood,  Wallace  B.,  . 

1853 

1874 

1895 

21 

42 

125  00 

200  00 

Fire. 

Callman. 

Woodmancy,  Henry  A.,  . 

1877 

1904 

1909 

5 

32 

600  00 

1,200  00 

Fire. 

Hoseman. 

Wright,  John  H.,     . 

1840 

1874 

1893 

19 

53 

125  00 

250  00 

Fire. 

Callman. 

Wyman,  Walter  W., 

1838 

1882 

1899 

17 

61 

125  00 

250  00 

Fire. 

Callman. 

Z  wicker,  Newton,  . 

1860 

1889 

1909 

20 

49 

125  00 

200  00 

Fire. 

Callman. 

Total  amount  of  pension,  $115,041.67. 


WIDOWS  OF  BOSTON  FIREMEN  PENSIONED  UNDER  THE  PROVISIONS  OF  CHAPTER 
107  OF  THE  ACTS  OF  1880. 


NAME. 

Date 
of  Pen- 
sion. 

Amount 
of 
Pension. 

NAME, 

Date 
of  Pen- 
sion. 

Amount 
of 
Pension. 

Akerly,  Mary  C., 

1910 

$300  00 

Hawkins,  Mary  E.,    . 

1902 

$300  00 

Blanchard,  Henrietta, 

1905 

300  00 

James,  Josephine, 

1912 

300  00 

Cheswell,  Millie  B.,    . 

1906 

300  00 

Lamb,  Mary  A., 

1895 

300  00 

Collins,  Sarah,    . 

1898 

300  00 

Leary,  Catherine  A., 

1908 

30000 

Demary,  Nancy  M.,  . 

1901 

300  00 

Loker,  Mary  J., 

1890 

300  00 

Deneen,  Elizabeth  J., 

1912 

300  00 

McCarthy,  Julia, 

1900 

30000 

Disken,  Mary  A., 

1907 

300  00 

McDonald,  Annie  A., 

1899 

300  00 

Greene,  Alice,     . 

1913 

300  00 

Murnan,  Ellen,  . 

1890 

300  00 

240 


COMMISSION  ON  PENSIONS. 


[Apr. 


WIDOWS  OF  BOSTON  FIREMEN  PENSIONED  UNDER  THE  PROVISIONS  OF  CHAPTER 
107  OF  THE  ACTS  OF  1880  —  Concluded. 


NAME. 

Date 
of  Pen- 
sion. 

Amount 
of 
Pension. 

NAME. 

Date 
of  Pen- 
sion. 

Amount 
of 
Pension. 

Needham,  Jennie  M., 

1911 

$300  00 

Ritchie,  Henrietta  A., 

1913 

$300  00 

O'Connell,  Catherine  F.,  . 

1903 

300  06 

Russell,  Hannah  A., 

1902 

300  00 

O'Neill,  Margaret  T., 

1906 

300  00 

Ryan,  Margaret  J.,     . 

1911 

300  00 

Pierce,  Lena  E., 

1901 

300  00 

Tagen,  Sarah  E., 

1907 

300  00 

Pope,  Margaret, 
Ready,  Mary, 

1907 
1903 

300  00 
300  00 

Wall,  Katie  J.,    . 
Total  

1905 

300  00 

- 

$8,100  00 

BOSTON  POLICEMEN  RETIRED 
ACTS  OF 


UNDER  THE  PROVISIONS 
1878,  AND  SUBSEQUENT 


OF  CHAPTER  244  OF  THE 
ACTS. 


NAMK. 

JS 

.Is 

CQ 

*s 

.i 

c 

<5 
"8  . 

i< 

Date  of  Retirement.  1 

Years  of  Service. 

Age  at  Retirement.  1  1 

Amount  of  Pension. 

J 

1 

4) 

a 

ll 
I 

Department. 

Rating. 

Abbott,  Edwin  W.f 

1848 

1874 

1913 

39 

65 

$650  00 

$1,300  00 

Police. 

Patrolman. 

Adams,  George  H., 

1849 

1874 

1912 

38 

63 

900  00 

1,800  00 

Police. 

Lieutenant. 

Ahern,  John  L., 

1866 

1890 

1911 

21 

45 

600  00 

1,200  00 

Police. 

Patrolman. 

Alley,  Wilbur  R.,    . 

1849 

1883 

1906 

23 

57 

600  00 

1,200  00 

Police. 

Patrolman. 

Aubens,  Frank  S.,  . 

1839 

1876 

1904 

28 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Badger,  Charles  A., 

1856 

1888 

1908 

20 

52 

600  00 

1,200  00 

Police. 

Patrolman. 

Barry,  Maurice  R., 

1848 

1900 

1913 

13 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Bates,  Edward  M., 

1850 

1880 

1910 

30 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Bench,  Patrick  J.,  . 

1859 

1891 

1913 

22 

54 

600  00 

1,200  00 

Police. 

Patrolman. 

Benner,  Lewis  W.,  . 

1841 

1869 

1883 

14 

42 

547  50 

1,095  00 

Police. 

Patrolman. 

Berry,  Walter  M.,    . 

1863 

1886 

1907 

21 

44 

600  00 

1,200  00 

Police. 

Patrolman. 

Blackburn,  Abner, 

1835 

1873 

1900 

27 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Blanchard,  Samuel  D.,  . 

1838 

1870 

1901 

31 

63 

700  00 

1,400  00 

Police. 

Sergeant. 

Bowman,  Edward  H.,    . 

1836 

1885 

1898 

13 

62 

600  00 

1,200  00 

Police. 

Patrolman. 

Brazer,  Charles  B., 

1860 

1887 

1912 

25 

52 

700  00 

1,400  00 

Police. 

Sergeant. 

Brewer,  George  E., 

1861 

1888 

1909 

21 

48 

600  00 

1,200  00 

Police. 

Patrolman. 

Brock,  Frank, 

1856 

1882 

1912 

30 

56 

650  00 

1,300  00 

Police. 

Patrolman. 

Broderick,  John  G., 

1858 

1881 

1903 

22 

45 

600  00 

1,200  00 

Police. 

Patrolman. 

Browne,  Daniel  J., 

1859 

1887 

1907 

20 

48 

600  00 

1,200  00 

Police. 

Patrolman. 

Brown,  Joseph, 

1837 

1872 

1902 

30 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

1914.] 


HOUSE  — No.  2450. 


241 


BOSTON  POLICEMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  244  OF  THE 
ACTS  OF  1878,  AND  SUBSEQUENT  ACTS  —  Continued. 


NAME. 

Date  of  Birth. 

4 

.9 

< 

°*5 

'S 

!§ 

"8 

Years  of  Service. 

Age  at  Retirement.  1 

Amount  of  Pension. 

1 
|| 

Department. 

Rating. 

Brown,  Roscoe  D., 

1848 

1875 

1908 

33 

60 

$600  00 

$1,200  00 

Police. 

Patrolman. 

Brown,  William  E., 

1846 

1878 

1910 

32 

64 

600  00 

1,20000 

Police. 

Patrolman. 

Bruce,  Walter  E.,    . 

1845 

1880 

1902 

22 

57 

700  00 

1,400  00 

Police. 

Sergeant. 

Bullard,  Charles  E., 

1846 

1878 

1907 

29 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

Burk,  John  M.  F.,  . 

1845 

1874 

1903 

29 

58 

600  00 

1,200  00 

Police. 

Patrolman. 

Burnett,  William  J.t 

1858 

1883 

1907 

24 

49 

800  00 

1,600  00 

Police. 

Lieutenant. 

Burns,  Edward  W., 

1851 

1880 

1906 

26 

55 

600  00 

1,20000 

Police. 

Patrolman. 

Burrell,  Edward  H.t 

1848 

1874 

1890 

16 

42 

60000 

1,200  00 

Police. 

Patrolman. 

Butler,  Edward,      . 

1853 

1882 

1902 

20 

49 

60000 

1,200  00 

Police. 

Patrolman. 

Callahan,  Michael, 

1843 

1873 

1908 

35 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Carey,  Daniel  W.,  . 

1845 

1875 

1908 

33 

63 

600  00 

1,200  00 

Police. 

Patrolman. 

Carlstein,  Carl, 

1865 

1895 

1911 

16 

46 

600  00 

1,200  00 

Police. 

Patrolman. 

Carroll,  Robert, 

1840 

1874 

1900 

26 

60 

600  00 

1,20000 

Police. 

Patrolman. 

Cassidy,  Joseph  A., 

1858 

1882 

1913 

31 

55 

787  50 

1,575  00 

Police. 

Sergeant. 

Chadwick,  John  H., 

1830 

1871 

1903 

32 

73 

60000 

1,20000 

Police. 

Patrolman. 

Chamberlain,  Alba  E.,  . 

1848 

1878 

1913 

35 

65 

650  00 

1,30000 

Police. 

Patrolman. 

Chase,  Fremont,     . 

1861 

1891 

1909 

18 

48 

400  00 

1,200  00 

Police. 

Patrolman. 

Chick,  Samuel  B.,  . 

1849 

1881 

1909 

28 

60 

600  00 

1,20000 

Police. 

Patrolman. 

Clark,  Ashton  D.,  . 

1864 

1891 

1911 

20 

47 

600  00 

1,200  00 

Police. 

Patrolman. 

Clark,  Thomas  RM 

1849 

1880 

1909 

29 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Clatur,  George  S.t  . 

1831 

1873 

1896 

23 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Clayton,  Jeremiah, 

1845 

1878 

1907 

29 

62 

600  00 

1,200  00 

Police. 

Patrolman. 

Cleveland,  Lindell, 

1868 

1891 

1909 

18 

41 

600  00 

1,200  00 

Police. 

Patrolman. 

Coburn,  David, 

1845 

1874 

1910 

36 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Cogan,  William  H., 

1851 

1873 

1899 

26 

48 

800  00 

1,600  00 

Police. 

Inspector. 

Colby,  George  B., 

1848 

1884 

1905 

21 

57 

60000 

1,20000 

Police. 

Patrolman. 

Coleman,  Thomas  W.,    . 

1848 

1874 

1903 

29 

55 

1,250  00 

2,500  00 

Police. 

Captain. 

Collyer,  Luther  H., 

1842 

1870 

1902 

32 

60 

800  00 

1,600  00 

Police. 

Lieutenant. 

Corbett,  Patrick,    . 

1847 

1880 

1910 

30 

63 

600  00 

1,200  00 

Police. 

Patrolman. 

Cotton,  William  M., 

1840 

1874 

1904 

30 

64 

600  00 

1,200  00 

Police. 

Patrolman. 

Coulter,  James  M., 

1845 

1874 

1908 

34 

63 

1,500  00 

3,000  00 

Police. 

Dep.  supt. 

Courser,  Jesse  G.,  . 

1838 

1892 

1899 

7 

61 

600  00 

1,20000 

Police. 

Patrolman. 

Cram,  Andrew  P.,  . 

1845 

1879 

1902 

23 

57 

600  00 

1,200  00 

Police. 

Patrolman. 

242 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  POLICEMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER 
ACTS  OF  1878,  AND  SUBSEQUENT  ACTS  —  Continued. 


244  OF  THE 


NAME. 

Date  of  Birth.  ; 

1 
5 
«< 

^ 

Date  of  Retirement.  I 

Years  of  Service. 

Age»at  Retirement.  I 

Amount  of  Pension.  I 

| 
1 

3 

^"S 

i3  ® 

IS 

Department. 

Rating. 

Cullen,  James  A.,  . 

1844 

1891 

1912 

21 

68 

$650  00 

$1,300  00 

Police. 

Patrolman. 

Daly,  Thomas  M., 

1842 

1892 

1906 

14 

64 

600  00 

1,200  00 

Police. 

Patrolman. 

Danforth,  Benj.  F., 

1857 

1888 

1911 

23 

54 

600  00 

1,200  00 

Police. 

Patrolman. 

Deering,  Frederick  H.,  . 

1838 

1867 

1901 

34 

63 

60000 

1,200  00 

Police. 

Patrolman. 

Dempsey,  Michael, 

1843 

1875 

1899 

24 

56 

600  00 

1,200  00 

Police. 

Patrolman. 

Dennis,  William  A., 

1842 

1884 

1907 

23 

65 

800  00 

1,600  00 

Police. 

Lieutenant. 

Denton,  Charles  H., 

1857 

1883 

1913 

30 

56 

900  00 

1,800  00 

Police. 

Lieutenant. 

Doherty,  Charles  H.,     . 

1847 

1880 

1912 

32 

65 

650  00 

1,300  00 

Police. 

Patrolman. 

Dolan,  Michael,      . 

1832 

1870 

1893 

23 

61 

600  00 

1,20000 

Police. 

Patrolman. 

Donovan,  Dennis,  . 

1852 

1881 

1905 

24 

53 

600  00 

1,200  00 

Police. 

Patrolman. 

Donovan,  Dennis,  . 

1844 

1877 

1909 

32 

65 

1,250  00 

2,500  00 

Police. 

Captain. 

Drew,  Edward  JM  . 

1860 

1888 

1912 

24 

52 

650  00 

1,300  00 

Police. 

Patrolman. 

Driscoll,  Daniel  F., 

1847 

1878 

1908 

30 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

Dugan,  Joseph, 

1844 

1868 

1912 

44 

68 

1,500  00 

3,000  00 

Police. 

Dep.  Supt. 

Dunbar,  Clarence  M.,     . 

1857 

1888 

1910 

22 

53 

600  00 

1,200  00 

Police. 

Patrolman. 

Durgin,  Benjamin, 

1831 

1868 

1907 

39 

76 

600  00 

1,200  00 

Police. 

Patrolman. 

Durgin,  George  A., 

1847 

1893 

1912 

19 

65 

65000 

1,300  00 

Police. 

Patrolman. 

Dyer,  William  H.,  . 

1848 

1873 

1912 

39 

64 

1,250  00 

2,500  00 

Police. 

Captain. 

Estes,  Eugene  E.,  . 

1861 

1890 

1902 

12 

41 

600  00 

1,200  00 

Police. 

Patrolman. 

Everbeck,  Gorham  H.,  . 

1849 

1877 

1909 

32 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Fallen,  Thomas  J., 

1856 

1880 

1904 

24 

48 

60000 

1,200  00 

Police. 

Patrolman. 

Farnham,  Jewett,  . 

1849 

1880 

1909 

29 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Felt,  David  O., 

1846 

1878 

1898 

20 

52 

600  00 

1,200  00 

Police. 

Patrolman. 

Fernald,  Almerin  W.,      . 

1848 

1882 

1908 

26 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Ford,  Herbert  S.,    . 

1852 

1881 

1912 

31 

60 

650  00 

1,300  00 

Police. 

Patrolman. 

Foster,  Ira  C., 

1843 

1873 

1903 

30 

60 

1,250  00 

2,500  00 

Police. 

Captain. 

Fottler,  William,     . 

1846 

1871 

1911 

40 

65 

800  00 

1,60000 

Police. 

Lieutenant. 

French,  Franklin  S., 

1837 

1874 

1896 

22 

59 

600  00 

1,200  00 

Police. 

Patrolman. 

Frohock,  Millard  M.,      . 

1851 

1882 

1911 

29 

60 

80000 

1,60000 

Police. 

Lieutenant. 

Galvin,  James, 

1838 

1873 

1903 

30 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Garland,  Monroe  T., 

1849 

1879 

1909 

30 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Gillette,  Charles  W.f       . 

1849 

1875 

1910 

35 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

Glawson,  John  B., 

1858 

1888 

1912 

24 

54 

650  00 

1,300  00 

Police. 

Patrolman. 

1914. 


HOUSE  — No.  2450. 


243 


BOSTON  POLICEMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  244  OF  THE 
ACTS  OF  1878,  AND  SUBSEQUENT  ACTS  —  Continued. 


NAME. 

Date  of  Birth. 

^ 

a 

I 

o   . 

ji 

Date  of  Retirement. 

Years  of  Service. 

Age  at  Retirement.  1 

Amount  of  Pension.  I 

"§ 
h| 

Department. 

Rating. 

Goldie,  Joseph, 

1842 

1874 

1898 

24 

56 

$600  00 

$1,200  00 

Police. 

Patrolman. 

Good,  John  J., 

1862 

1885 

1911 

26 

49 

700  00 

1,400  00 

Police. 

Sergeant. 

Gorman,  William  P., 

1848 

1880 

1900 

20 

52 

600  00 

1,200  00 

Police. 

Patrolman. 

Gray,  Clarendon  W., 

1845 

1879 

1898 

19 

53 

600  00 

1,200  00 

Police. 

Patrolman. 

Green,  John  J., 

1854 

1881 

1903 

22 

49 

600  00 

1,200  00 

Police. 

Patrolman. 

Griffin,  Michael,     . 

1839 

1873 

1904 

31 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Hardy,  Patrick  H.f 

1840 

1891 

1900 

9 

60 

60000 

1,200  00 

Police. 

Patrolman. 

tlarris,  John  H., 

1852 

1882 

1912 

30 

60 

90000 

1,80000 

Police. 

Inspector. 

Hart,  Thomas  J.,    . 

1852 

1898 

1913 

15 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

Harvey,  George,     . 

1841 

1872 

1897 

25 

56 

60000 

1,200  00 

Police. 

Patrolman. 

Hawthorne,  George  E.,  . 

1865 

1893 

1910 

17 

45 

400  00 

1,200  00 

Police. 

Patrolman. 

Hebard,  Charles  W., 

1844 

1888 

1904 

16 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Hildreth,  Alfred  H.,       . 

1865 

1888 

1910 

22 

45 

600  00 

1,200  00 

Police. 

Patrolman. 

Hoffman,  Frederic  G.,    . 

1849 

1872 

1903 

31 

54 

1,250  00 

2,500  00 

Police. 

Captain. 

Hogan,  James  F.,    . 

1846 

1875 

1904 

29 

58 

600  00 

1,200  00 

Police. 

Patrolman. 

Holmes,  Robert  S., 

1846 

1884 

1909 

25 

63 

54750 

1,095  00 

Police. 

Patrolman. 

Hood,  Allen,  . 

1843 

1895 

1903 

8 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Hooper,  Charles  FM 

1852 

1885 

1912 

27 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Horgan,  Cornelius  F.,     . 

1842 

1875 

1902 

27 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Houghton,  Andrew, 

1844 

1869 

1905 

30 

61 

800  00 

1,600  00 

Police. 

Inspector. 

Houghton,  Daniel  F.,     . 

1849 

1879 

1909 

30 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Houghton,  Patrick, 

1847 

1877 

1907 

30 

60 

700  00 

1,400  00 

Police. 

Sergeant. 

Howe,  William  C.  M.,     . 

1846 

1895 

1906 

11 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Howell,  Frederick  S.,     . 

1874 

1901 

1912 

11 

38 

600  00 

1,200  00 

Police. 

Patrolman. 

Hubbard,  William  H.,    . 

1842 

1867 

1899 

32 

57 

60000 

1,200  00 

Police. 

Patrolman. 

Hunt,  Benjamin  H., 

1842 

1876 

1904 

28 

62 

600  00 

1,20000 

Police. 

Patrolman. 

Irish,  Richard  F.,  . 

1836 

1875 

1903 

28 

67 

1,250  00 

2,500  00 

Police. 

Captain. 

Jenkins,  Henry  R., 

1856 

1885 

1903 

18 

47 

600  00 

1,200  00 

Police. 

Patrolman. 

Johnson,  Edward  M.,     . 

1830 

1863 

1890 

27 

60 

800  00 

1,60000 

Police. 

Lieutenant. 

Johnson,  Eugene  M., 

1831 

1861 

1903 

42 

72 

700  00 

1,400  00 

Police. 

Sergeant. 

Johnson,  Michael,  . 

1839 

1872 

1904 

32 

05 

60000 

1,200  00 

Police. 

Patrolman. 

Jones,  Frank  I., 

1858 

1880 

1912 

32 

54 

1,250  00 

2,500  00 

Police. 

Captain. 

Karcher,  Jacob  W., 

1839 

1872 

1900 

28 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

244 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  POLICEMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  244  OF  THE 
ACTS  OF  1878,  AND  SUBSEQUENT  ACTS  —  Continued. 


NAME. 

| 

K 

•8 

1 

5 
< 

*o   . 

jl 

Date  of  Retirement.  J 

Years  of  Service.  : 

Age  at  Retirement.  I 

Amount  of  Pension. 

J 

1 

* 

ll 

ia 

Department. 

Rating. 

Keane,  Timothy  F., 

1860 

1884 

1910 

26 

50 

$600  00 

$1,200  00 

Police. 

Patrolman. 

Kendall,  Herbert  W.,     . 

1861 

1883 

1904 

21 

43 

600  00 

1,200  00 

Police. 

Patrolman. 

Kingsley,  Elias, 

1859 

1884 

1901 

17 

42 

400  00 

1,200  00 

Police. 

Patrolman. 

Knowles,  James, 

1850 

1883 

1912 

29 

62 

65000 

1,30000 

Police. 

Patrolman. 

Knox,  Joseph  H.t    . 

1842 

1879 

1912 

33 

70 

900  00 

1,800  00 

Police. 

Inspector. 

Lane,  George  W.,    . 

1848 

1873 

1903 

30 

55 

600  00 

1,200  00 

Police. 

Patrolman. 

Lee,  James  H., 

1835 

1873 

1900 

27 

65 

60000 

1,200  00 

Police. 

Patrolman. 

Leggett,  William  T., 

1840 

1870 

1904 

34 

64 

80000 

1,60000 

Police. 

Inspector. 

Lewis,  George  E.,   . 

1849 

1878 

1910 

32 

61 

600  00 

1,20000 

Police. 

Patrolman. 

Look,  Orrick,  . 

1841 

1873 

1900 

27 

59 

600  00 

1,20000 

Police. 

Patrolman. 

Lucas,  Winslow  B., 

1833 

1870 

1908 

38 

75 

600  00 

1,200  00 

Police. 

Patrolman. 

Lund,  Richard  H., 

1843 

1869 

1891 

22 

48 

600  00 

1,20000 

Police. 

Patrolman. 

Lurvey,  Freeman  J., 

1864 

1888 

1895 

7 

31 

600  00 

1,20000 

Police. 

Patrolman. 

Mackinnon,  Edward  C., 

1875 

1902 

1909 

7 

34 

600  00 

1,200  00 

Police. 

Patrolman. 

Maguire,  Andrew,  . 

1833 

1877 

1898 

21 

65 

60000 

1,20000 

Police. 

Patrolman. 

Mahoney,  Edward  F.,    . 

1842 

1892 

1902 

10 

60 

60000 

1,20000 

Police. 

Patrolman. 

Mahoney,  Edward  H.,    . 

1850 

1883 

1910 

27 

60 

600  00 

1,20000 

Police. 

Patrolman. 

Marsh,  Reuben, 

1849 

1875 

1909 

34 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Mastin,  Chauncy  C., 

1835 

1872 

1900 

28 

65 

60000 

1,20000 

Police. 

Patrolman. 

May,  Benjamin, 

1848 

1874 

1908 

34 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

McCormick,  James, 

1841 

1869 

1884 

15 

43 

547  50 

1,095  00 

Police. 

Patrolman. 

McGovern,  James  L.,     . 

1852 

1880 

1913 

33 

61 

650  00 

1,300  00 

Police. 

Patrolman. 

McHenry,  Joseph,  . 

1852 

1878 

1904 

26 

52 

600  00 

1,200  00 

Police. 

Patrolman. 

McKenzie,  James,  . 

1862 

1891 

1912 

21 

50 

600  00 

1,20000 

Police. 

Patrolman. 

McMahon,  Edward, 

1876 

1904 

1913 

9 

37 

65000 

1,300  00 

Police. 

Patrolman. 

McMorrow,  Michael, 

1847 

1876 

1902 

26 

55 

600  00 

1,20000 

Police. 

Patrolman. 

McNamara,  Michael, 

1840 

1864 

1881 

17 

41 

547  50 

1,095  00 

Police. 

Patrolman. 

Meissner,  John  G., 

1837 

1875 

1898 

23 

61 

60000 

1,200  00 

Police. 

Patrolman. 

Middleton,  John  J., 

1847 

1875 

1900 

25 

53 

600  00 

1,200  00 

Police. 

Patrolman. 

Morrill,  John  L., 

1843 

1874 

1900 

26 

57 

600  00 

1,200  00 

Police. 

Patrolman. 

Morse,  Robert  A.  F.,      .. 

1857 

1888 

1910 

22 

53 

600  00 

1,200  00 

Police. 

Patrolman. 

Morse.  William  W., 

1866 

1890 

1913 

23 

47 

650  00 

1,300  00 

Police. 

Patrolman. 

Moulton,  John  H., 

1843 

1875 

1907 

32 

64 

600  00 

1,200  00 

Police. 

Patrolman. 

1914.1 


HOUSE  — No.  2450. 


245 


BOSTON  POLICEMEN  RETIRED  UNDER  THE  PROVISIONS  OP  CHAPTER  244  OF  THE 
ACTS  OF  1878,  AND  SUBSEQUENT  ACTS  —  Continued. 


NAME. 

Date  of  Birth. 

1 
A 
<j 

"o    . 

l' 

Date  of  Retirement.  1 

I  Years  of  Service. 

Age  at  Retirement.  1  1 

Amount  of  Pension.  1 

k 

1 

c3 
+5 

J2  Q 

Department. 

Rating. 

Murphy,  Cornelius  F.,    . 

1860 

1884 

1907 

23 

47 

$600  00 

$1,200  00 

Police. 

Patrolman. 

Nannery,  James,     . 

1845 

1879 

1910 

31 

65 

600  00 

1,200  00 

Police. 

Patrolman. 

Newcomb,  Arthur  W.f    . 

1845 

1875 

1907 

32 

62 

600  00 

1,200  00 

Police. 

Patrolman. 

Nickerson,  Arthur  W.,    . 

1870 

1895 

1910J  15 

40 

60000 

1,200  00 

Police. 

Patrolman. 

Norcott,  John  F.,    . 

1849 

1891 

1909 

18 

eo 

600  00 

1,200  00 

Police. 

Patrolman. 

O'Brien,  Jeremiah, 

1852 

1883 

1913 

30 

61 

650  00 

1,300  00 

Police. 

Patrolman. 

Olds,  Edward  R.,  . 

1863 

1888 

1910 

22 

47 

612  50 

1,225  00 

Police. 

Patrolman. 

O'Neill,  James, 

1846 

1881 

1911 

30 

65 

1,250  00 

2,500  00 

Police. 

Captain. 

O'Neill,  James  H., 

1847 

1878 

1907 

29 

60 

60000 

1,200  00 

Police. 

Patrolman. 

Page,  John  M., 

1828 

1855 

1893 

38 

65 

547  50 

1,095  00 

Police. 

Patrolman. 

Parsons,  John  E.,    . 

1830 

1872 

1896 

24 

66 

600  00 

1,20000 

Police. 

Patrolman. 

Pease,  Edward  A., 

1854 

1884 

1911 

27 

57 

1,250  00 

2,500  00 

Police. 

Captain. 

Perkins,  Albert  W., 

1843 

1878 

1898 

20 

55 

600  00 

1,200  00 

Police. 

Patrolman. 

Perry,  William  F.,  . 

1850 

1875 

1912 

37 

62 

90000 

1,800  00 

Police. 

Lieutenant. 

Philbrook,  John  E., 

1843 

1895 

1903 

8 

60 

60000 

1,200  00 

Police. 

Patrolman. 

Powderly,  Patrick, 

1844 

1888 

1904 

16 

60 

600  00 

1,20000 

Police. 

Patrolman. 

Rich,  Hiram  H.,     . 

1846 

1878 

1911 

33 

65 

80000 

1,600  00 

Police. 

Lieutenant. 

Richardson,  George  S.,  . 

1842 

1888 

1908 

20 

66 

600  00 

1,20000 

Police. 

Patrolman. 

Richardson,  William  W., 

1849 

1884 

1907 

23 

58 

600  00 

1,200  00 

Police. 

Patrolman. 

Rideout,  William  H.,      . 

1847 

1880 

1912 

32 

65 

700  00 

1,400  00 

Police. 

Sergeant. 

Riley,  James, 

1850 

1893 

1911 

18 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

Ritter,  Daniel  A.,  . 

1850 

1873 

1911 

38 

61 

1,250  00 

2,500  00 

Police. 

Captain. 

Robinson,  George  M.,     . 

1850 

1874 

1910 

36 

60 

800  00 

1,600  00 

Police. 

Inspector. 

Ryan,  John  J., 

1855 

1883 

1905 

22 

50 

600  00 

1,200  00 

Police. 

Patrolman. 

Savory,  George  E., 

1844 

1873 

1909 

36 

65 

1,250  00 

2,500  00 

Police. 

Captain. 

Shannon,  Andrew, 

1843 

1879 

1911 

32 

68 

600  00 

1,200  00 

Police. 

Patrolman. 

Sheehan,  John  T.,  . 

1852 

1881 

1913 

32 

61 

650  00 

1,300  00 

Police. 

Patrolman. 

Smith,  George  H., 

1841 

1889 

1902 

13 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

Smith,  Gustavus  A., 

1836 

1872 

1887 

15 

51 

800  00 

1,600  00 

Police. 

Lieutenant. 

Smith,  William,       . 

1840 

1878 

1898 

20 

58 

600  00 

1,200  00 

Police. 

Patrolman. 

Spear,  William  H., 

1841 

1871 

1902 

31 

Gl 

600  00 

1,200  00 

Police. 

Patrolman. 

Stevens,  Ira  W., 

1848 

1875 

1909 

34 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

Stinson,  William  L., 

1864 

1889 

1913 

24 

49 

650  00      1,300  00 

Police. 

Patrolman. 

246 


COMMISSION  ON  PENSIONS. 


BOSTON  POLICEMEN  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  244  OF  THE 
ACTS  OF  1878,  AND  SUBSEQUENT  ACTS  —  Concluded. 


NAME. 

Date  of  Birth. 

-i 
1 

OH 
< 

°^ 

"S 

Date  of  Retirement.  J 

Years  of  Service. 

Age  at  Retirement.  1  1 

Amount  of  Pension. 

1 
1 

"S 

sf 

Department. 

Rating. 

Stuart,  Thomas  R.  D.,  . 

1828 

1863 

1893 

30 

65 

$600  00 

$1,200  00 

Police. 

Patrolman. 

Sugrue,  Timothy  F., 

1872 

1900 

1909 

9 

37 

600  00 

1,200  00 

Police. 

Patrolman. 

Sullivan,  Daniel  J., 

1845 

1892 

1905 

13 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Sullivan,  Jeremiah  B.,    . 

1843 

1874 

1908 

34 

65 

700  00 

1,400  00 

Police. 

Sergeant. 

Sullivan,  Michael,  . 

1878 

1908 

1913 

5 

35 

650  00 

1,300  00 

Police. 

Patrolman. 

Tallon,  Nicholas  C., 

1848 

1881 

1913 

32 

65 

650  00 

1,300  00 

Police. 

Patrolman. 

Taylor,  George  W., 

1842 

1895 

1903 

8 

61 

600  00 

1,200  00 

Police. 

Patrolman. 

Thompson,  Thomas  P.,  . 

1876 

1907 

1913 

6 

37 

650  00 

1,300  00 

Police. 

Patrolman. 

Thornton,  Dudley  C.,    . 

1840 

1883 

1905 

22 

65 

700  00 

1,400  00 

Police. 

Sergeant. 

Tighe,  Charles  H., 

1846 

1873 

1911 

38 

65 

700  00 

1,400  00 

Police. 

Sergeant. 

Trask,  Frank  E.,    . 

1844 

1870 

1902 

32 

58 

600  00 

1,200  00 

Police. 

Patrolman. 

Trask,  Frederick  G., 

1867 

1890 

1910 

29 

43 

60000 

1,200  00 

Police. 

Patrolman. 

Underwood,  Theodore  W., 

1843 

1876 

1899 

23 

56 

600  00 

1,200  00 

Police. 

Patrolman. 

Vinal,  Renough  J., 

1849 

1873 

1901 

28 

52 

600  00 

1,200  00 

Police. 

Patrolman. 

Waldron,  Edwin  A., 

1851 

1884 

1911 

27 

60 

600  00 

1,200  00 

Police. 

Patrolman. 

Walker,  William  C., 

1854 

1875 

1904 

29 

50 

600  00 

1,20000 

Police. 

Patrolman. 

Wasgatt,  Enos, 

1821 

1854 

1885 

31 

64 

547  50 

1,095  00 

Police. 

Patrolman. 

Watts,  William  B., 

1851 

1877 

1912 

35 

61 

1,500  00 

3,000  00 

Police. 

Dep.  Supt. 

Whalen,  Michael  J., 

1856 

1881 

1907 

26 

51 

600  00 

1,200  00 

Police. 

Patrolman. 

Wharff,  Clarence  C.,       . 

1853 

1879 

1913 

34 

60 

650  00 

1,3"0000 

Police. 

Patrolman. 

Wilder,  Harrison,    . 

1844 

1873 

1904 

31 

60 

600  00      1,200  00 

Police. 

Patrolman. 

Wilson,  Samuel  P., 

1833 

1863 

1903 

40 

70 

600  00 

1,200  00 

Police. 

Patrolman. 

Wood,  Harvey  T.,  . 

1850 

1879 

1913 

34 

63 

65000 

1,300  00 

Police. 

Patrolman. 

Woodman,  Charles  C.,    . 

1861 

1891 

1913 

22 

52 

65000 

1,300  00 

Police. 

Patrolman. 

Wright,  Amos, 

1845 

1874 

1907 

33 

62 

600  00 

1,200  00 

Police. 

Patrolman. 

Total  amount  of  pension,  $141,135. 


1914.] 


HOUSE  — No.  2450. 


247 


WIDOWS  OF  BOSTON  POLICEMEN  PENSIONED  UNDER  THE  PROVISIONS  OF  CHAPTER 
178  OF  THE  ACTS  OF  1887. 


NAME. 

Date 
of  Pen- 
sion. 

Amount 
of 
Pension. 

NAME. 

Date 
of  Pen- 
sion. 

Amount 
of 
Pension. 

Allen,  Sarah  J.f 

1904 

$300  00 

Lynch,  Mary  A.  (mother), 

1908 

$300  00 

Barber,  Lavinia  A.,   . 

1899 

300  00 

Muldoon,  Josephine, 

1896 

30000 

Cunningham,  Mary  E., 

1899 

300  00 

Peterson,  Alice  M.,     . 

1912 

30000 

DeCoursey,  Ellen  M., 

1906 

150  00 

Regan,  Catherine  A., 

1900 

300  00 

Flynn,  Mary  E., 

1903 

300  00 

Schlehuber,  Jennie  R., 

1910 

300  00 

Harris,  Mary  A., 

1907 

300  00 

Sturdivant,  Emma  F., 

1904 

300  00 

Leavitt,  Sarah  E.,      . 
Lehan,  Lucy  A., 

1898 
1913 

300  00 
30000 

Trainer,  Elizabeth,     . 
Total  

1903 

300  00 

- 

$4,350  00 

BOSTON  TEACHERS 
ACTS  OF 


RETIRED  UNDER  THE  PROVISIONS 
1900,  AND  CHAPTER  589  OF  THE 


OF  CHAPTER  237  OF  THE 
ACTS  OF  1908. 


NAME. 

Date  of  Birth. 

! 

<i 

"8  . 

ii 

Date  of  Retirement.  I 

1  Years  of  Service. 

1 
H 

a 

Amount  of  Pension.  I 

I 

"S 

Department. 

Rating. 

Abbott,  Melissa,      . 

1837 

1861 

1908 

47 

71 

$42000 

$1,260  00 

School. 

Teacher. 

Adams,  Charlotte, 

1841 

1872 

1910 

38 

69 

180  00 

- 

School. 

Teacher. 

Atwood,  William  B., 

1848 

1868 

1912 

44 

64 

600  00 

3,180  00 

School. 

Teacher. 

Austin,  Elvira,  A.  L., 

1840 

1870 

1910 

40 

70 

18000 

- 

School. 

Teacher. 

Baker,  Julia  F.,       . 

1851 

1873 

1908 

35 

57 

312  00 

792  00 

School. 

Teacher. 

Balch,  Mrs.  Anna  M.,     . 

1841 

1862 

1911 

49 

70 

372  00 

1,116  00 

School. 

Teacher. 

Barnes,  Thomas  H., 

1832 

1852 

1910 

58 

78 

600  00 

3,180  00 

School. 

Teacher. 

Bartlett,  Margaret  A.,     . 

1837 

1875 

1910 

35 

73 

18000 

- 

School. 

Teacher. 

Bense,  Eveleen  I.,  . 

1856 

1882 

1912 

30 

56 

344  00 

1,032  00 

School. 

Teacher. 

Bettia,  Harrietts  A., 

1826 

1864 

1910 

46 

84 

18000 

- 

School. 

Teacher. 

Bird,  Luthera  W.,  . 

1843 

1864 

1911 

47 

68 

312  00 

93600 

School. 

Teacher. 

Blackburn,  Elizabeth  M., 

1866 

1886 

1911 

25 

45 

363  33 

1,308  00 

School. 

Teacher. 

Blanchard,  Roxanna  N.f 

1832 

1867 

1910 

43 

78 

18000 

- 

School. 

Teacher. 

Bloomfield,  Ellen  S., 
Bowler,  Ada  E., 

1867 
1853 

1890 
1872 

1910 
1908 

20 
36 

43 
55 

20800 
312  00 

93600 
936  00 

School. 
School. 

Teacher. 
Teacher. 

Boynton,  Sara  F.,  . 

1849 

1872 

1909 

37 

60 

312  00 

93600 

School. 

Teacher. 

Bradford,  Phebe  C., 

1839 

1867 

1910 

43 

71 

18000 

- 

School. 

Teacher. 

Bragg,  Helen  A.,     . 

1857 

1879 

1909 

30 

52 

540  00 

1,620  00 

School. 

Teacher. 

248 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  TEACHERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  237  OF  THE 
ACTS  OF  1900,  AND  CHAPTER  589  OF  THE  ACTS  OF  1908  —  Continued. 


NAME. 

Date  of  Birth. 

Ji 

a 

1 

ii 

Date  of  Retirement.  1 

Years  of  Service. 

a 

1 

•§• 

1 

Amount  of  Pension. 

I 
t» 

>>"S 

Department. 

Rating. 

Bredeen,  Frances  L., 

1835 

1875 

1910 

35 

75 

$18000 

- 

School. 

Teacher. 

Brickett,  Sarah  O., 

1827 

1872 

1913 

41 

86 

180  00 

- 

School. 

Teacher. 

Brooks,  Frances  N., 

1835 

1862 

1912 

50 

77 

180  00 

- 

School. 

Teacher. 

Brown,  Clara  B.,     . 

1856 

1876 

1909 

33 

53 

312  00 

$93600 

School. 

Teacher. 

Brown,  Eliza, 

1836 

1857 

1908 

51 

72 

312  00 

93600 

School. 

Teacher. 

Browne,  Harriet  E., 

1838 

1882 

1910 

28 

72 

291  20 

936  00 

School. 

Teacher.     ' 

Buffum,  Mary  E.,  . 

1841 

1864 

1909 

45 

68 

312  00 

93600 

School. 

Teacher. 

Bunker,  Alfred, 

1838 

1872 

1910 

38 

72 

600  00 

3,180  00 

School. 

Teacher. 

Cadogan,  Catherine  J.,  . 

1841 

1883 

1908 

25 

67 

26000 

66000 

School. 

Teacher. 

Campbell,  William  T.,    . 

1852 

1878 

1911 

33 

59 

600  00 

3,204  00 

School. 

Teacher. 

Caryl,  Harriet  E.,  . 

1835 

1861 

1910 

49 

75 

18000 

- 

School. 

Teacher. 

Cassidv.  F.  Mabel, 

1878 

1899 

1909 

10 

31 

104  00 

93600 

School. 

Teacher. 

Chandler,  Sarah  M.,       . 

1829 

1872 

1913 

41 

84 

18000 

- 

School. 

Teacher. 

Chapman,  Susan  E., 

1856 

1876 

1909 

33 

53 

312  00 

936  00 

School. 

Teacher. 

Child,  Mary  F., 

1834 

1870 

1910 

40 

76 

180  00 

- 

School. 

Teacher. 

Clapp,  Annie  L.,     . 

1857 

1892 

1910 

18 

53 

18000 

- 

School. 

Teacher. 

Clapp,  Henry  L.,    . 

1839 

1869 

1910 

41 

71 

60000 

3,180  00 

School. 

Teacher. 

Clark,  Abby  M.,     . 

1839 

1859 

1910 

51 

71 

312  00 

936  00 

School. 

Teacher. 

Clark,  Grace  M.t     . 

1860 

1889 

1913 

24 

53 

313  60 

1,176  00 

School. 

Teacher. 

Colomy,  Emma  F., 

1851 

1874 

1910 

36 

59 

18000 

- 

School. 

Teacher. 

Coe,  Amelia  B.,       . 

1843 

1865 

1913 

48 

70 

452  00 

1,356  00 

School. 

Teacher. 

Coe,  Ellen,      .        .        . 

1844 

1868 

1913 

45 

69 

420  00 

1,260  00 

School. 

Teacher. 

Colesworthy,  Mary  J.,    . 

1838 

1863 

1909 

46 

71 

312  00 

93600 

School. 

Teacher. 

Collins,  Ellen  L.,    . 

1847 

1866 

1912 

46 

65 

360  00 

1,080  00 

School. 

Teacher. 

Colton,  Carrie  A.,  . 

1864 

1888 

1912 

24 

48 

313  60 

1,176  00 

School. 

Teacher. 

Comey,  Vodisa  J.,  . 

1843 

1865 

1913 

48 

70 

408  00 

1,224  00 

School. 

Teacher. 

Condron,  Delia  B., 

1845 

1895 

1909 

14 

64 

145  60 

888  00 

School. 

Teacher. 

Courtney,  Frank  F., 

1851 

1883 

1908 

25 

57 

600  00 

2,340  00 

School. 

Teacher. 

Cousens,  Susan  M., 

1841 

1876 

1908 

32 

67 

312  00 

732  00 

School. 

Teacher. 

Cox,  Annie  R., 

1858 

1879 

1909 

30 

51 

312  00 

93600 

School. 

Teacher. 

Cumming,  Isabella, 

1840 

1869 

1910 

41 

70 

312  00 

936  00 

School. 

Teacher. 

Cutter,  Adeline  F., 

1835 

1863 

1910 

47 

75 

18000 

• 

School. 

Teacher. 

Cutter,  H.  Elizabeth,      . 

1841 

1868 

1910 

42 

69 

312  00 

936  00 

School. 

Teacher. 

1914: 


HOUSE  — No.  2450. 


249 


BOSTON  TEACHERS  RETIRED  UNDER  THE  PROVISIONS  OP  CHAPTER  237  OP  THE 
ACTS  OP  1900,  AND  CHAPTER  589  OP  THE  ACTS  OP  1908  —  Continued. 


NAME. 

Date  of  Birth. 

| 

I 

°^ 

®  "^ 

Date  of  Retirement. 

Years  of  Service. 

Age  at  Retirement.  1  1 

Amount  of  Pension.  1 

1 

oj 
>>"§ 

Department. 

Rating. 

Dana,  Emma  P.,    . 

1850 

1868 

1909 

41 

59 

$312  00 

$936  00 

School. 

Teacher. 

Davis,  Ida  H., 

1853 

1881 

1912 

31 

59 

360  00 

1,080  00 

School. 

Teacher. 

Day,  Mary  D., 

1838 

1859 

1910 

51 

72 

180  00 

- 

School. 

Teacher. 

Dean,  Franklin  H., 

1841 

1877 

1912 

35 

71 

500  00 

1,50000 

School. 

Teacher. 

DeLande,  Phebe  A., 

1843 

1890 

1913 

23 

70 

263  73 

1,032  00 

School. 

Teacher. 

Dimick,  Orlando  W.,      . 

1840 

1869 

1910 

41 

70 

600  00 

3,180  00 

School. 

Teacher. 

Dix,  Florence, 

1849 

1886 

1912 

26 

63 

520  00 

1,836  00 

School. 

Teacher. 

Dodge,  Kate  L.,     . 

1838 

1879 

1910 

31 

72 

18000 

- 

School. 

Teacher. 

Dodge,  Sarah  R.,    . 

1867 

1892 

1911 

19 

44 

197  60 

936  00 

School. 

Teacher. 

Dolbeare,  Alice  G., 

1858 

1876 

1913 

37 

55 

404  00 

1,212  00 

School. 

Teacher. 

Durant,  S.  Louise, 

1831 

1867 

1910 

43 

79 

180  00 

- 

School. 

Teacher. 

Durgin,  Emeline  E., 

1843 

1865 

1911 

46 

68 

404  00 

1,212  00 

School. 

Teacher. 

Dwyer,  Henrietta  L., 

1848 

1867 

1913 

46 

65 

408  00 

1,224  00 

School. 

Teacher. 

Ellis,  Annie  G.  D., 

1843 

1877 

1909 

32 

66 

312  00 

93600 

School. 

Teacher. 

Ellis,  Fred  O., 

1836 

1860 

1910 

50 

74 

600  00 

3,180  00 

School. 

Teacher. 

Etheridge,  Cora  L., 

1846 

1869 

1911 

42 

65 

312  00 

936  00 

School. 

Teacher. 

Fales,  Sarah  C., 

1845 

1869 

1912 

43 

67 

36000 

1,080  00 

School. 

Teacher. 

Fellows,  George  M., 

1837 

1869 

1910 

41 

73 

180  00 

- 

School. 

Teacher. 

Fillebrown,  Anna  G.,     . 

1843 

1871 

1911 

40 

68 

180  00 

- 

School. 

Teacher. 

Fisher,  Eliza  C.,     . 

1841 

1860 

1908 

48 

67 

42000 

1,212  00 

School. 

Teacher. 

Flanders,  Mary  E., 

1849 

1869 

1910 

41 

61 

312  00 

936  00 

School. 

Teacher. 

Foley,  Bridget  A.,  . 

1845 

1868 

1911 

43 

66 

344  00 

1,032  00 

School. 

Teacher. 

Ford,  Mary  A., 

1839 

1860 

1910 

50 

71 

40400 

1,212  00 

School. 

Teacher. 

Foster,  Alia  W.,       . 

1847 

1879 

1913 

34 

66 

56400 

1,692  00 

School. 

Teacher. 

French,  Mary  W.,   . 

1854 

1878 

1909 

31 

55 

312  00 

93600 

School. 

Teacher. 

Frizzell,  Susan, 

1841 

1875 

1910 

35 

69 

180  00 

- 

School. 

Teacher. 

Frye,  Serena  J., 

1853 

1888 

1909 

21 

56 

218  40 

792  00 

School. 

Teacher. 

Fuller,  Sarah, 

1836 

1855 

1910 

55 

74 

600  00 

3,180  00 

School. 

Teacher. 

Gardner,  Helen  A., 

1837 

1875 

1910 

35 

73 

180  00 

- 

School. 

Teacher. 

Gargan,  Mary  F.,    . 

1848 

1874 

1909 

35 

61 

372  00 

1,116  00 

School. 

Teacher. 

Gargan,  Teresa  M., 

1850 

1870 

1909 

39 

59 

372  00 

1,116  00 

School. 

Teacher. 

Gay,  E.  Bradford,  . 

1841 

1880 

1910 

30 

69 

180  00 

- 

School. 

Teacher. 

George,  Anna  J.,     . 

1825 

1880 

1913 

33 

88 

18000 

- 

School. 

Teacher. 

250 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  TEACHERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  237  OF~THE 
ACTS  OF  1900,  AND  CHAPTER  589  OF  THE  ACTS  OF  1908  —  Continued. 


NAME. 

Date  of  Birth. 

^ 

ft 

<3 
o   . 

|1 

Date  of  Retirement.  1 

I  Years  of  Service. 

1  Age  at  Retirement.  1 

Amount  of  Pension.  1 

— 

I 
a 

fc-fj 

1§ 

Department. 

Rating, 

Gerry,  Martha  C.,  . 

1846 

1876 

1908 

32 

62 

$312  00 

$936  00 

School. 

Teacher. 

Gibson,  John  T.,    . 

1842 

1865 

1912 

47 

70 

60000 

3,180  00 

School. 

Teacher. 

Gifford,  Susan  R., 

1842 

1876 

1912 

36 

70 

344  00 

1,032  00 

School. 

Teacher. 

Gilman,  Esther  W.  M.,  . 

1837 

1875 

1910 

35 

73 

18000 

- 

School. 

Teacher. 

Glidden,  Mary  E., 

1849 

1865 

1908 

43 

59 

312  00 

936  00 

School. 

Teacher. 

Gordon,  Emma  A., 

1850 

1874 

1909 

35 

59 

312  00 

93600 

School. 

Teacher. 

Gormley,  Mary  V., 

1868 

1892 

1909 

17 

41 

17680 

936  00 

School. 

Teacher. 

Gould,  Ella  T., 

1848 

1867 

1908 

41 

60 

312  00 

936  00 

School. 

Teacher. 

Gunn,  Kate  S., 

1857 

1879 

1909 

30 

52 

312  00 

792  00 

School. 

Teacher. 

Hadley,  Darius, 

1841 

1867 

1908 

41 

67 

60000 

2,460  00 

School. 

Teacher. 

Hall,  Alice,      . 
Hall,  Helen  P.,       . 

1839 
1843 

1859 
1874 

1910 
1912 

51 
38 

71 
69 

312  00 
372  00 

936  00 
1,116  00 

School. 
School. 

Teacher. 
Teacher. 

Hall,  Lillian  M.,     . 

1871 

1892 

1913 

21 

42 

24080 

1,032  00 

School. 

Teacher. 

Halliday,  Marcella  C.,    . 

1840 

1868 

1910 

42 

70 

312  00 

936  00 

School. 

Teacher. 

Heaton,  Mary, 

1839 

1867 

1910 

43 

71 

18000 

- 

School. 

Teacher. 

Hersey,  Lizzie  M.,  . 

1861 

1891 

1910 

19 

49 

180  00 

- 

School. 

Teacher. 

Hill,  Melvin  J.t       . 

1843 

1875 

1908 

33 

65 

600  00 

3,060  00 

School. 

Teacher. 

Hitchings,  Helen  M.,      . 

1839 

1867 

1910 

43 

71 

18000 

- 

School. 

Teacher. 

Hooker,  Clara  B.,  . 

1854 

1873 

1908 

35 

54 

312  00 

936  00 

School. 

Teacher. 

Home,  Edwin  T.,  . 

1842 

1864 

1912 

48 

70 

60000 

3,180  00 

School. 

Teacher. 

Hosmer,  Sarah  H., 

1832 

1869 

1910 

41 

78 

180  00 

- 

School. 

Teacher. 

Hotchkiss,  Louise  S.,      . 
Howard,  Mary  L.,  . 

1836 
1844 

1874 
1863 

1908 
1908 

34 
45 

72 
64 

312  00 
312  00 

936  00 
936  00 

School. 
School. 

Teacher. 
Teacher. 

Howard,  Mary  W., 

1859 

1884 

1908 

24 

49 

249  60 

936  00 

School. 

Teacher. 

Howes,  Harriett  S.f 

1839 

1868 

1910 

42 

71 

180  00 

- 

School. 

Teacher. 

Howes,  Martha  T., 

1875 

1895 

1909 

14 

34 

145  60 

93600 

School. 

Teacher. 

Hudson,  Anna  L.,  . 

1849 

1872 

1908 

36 

59 

404  00 

1,212  00 

School. 

Teacher. 

Hunter,  Annie  B.,  . 

1859 

1881 

1912 

31 

53 

344  00 

1,032  00 

School. 

Teacher. 

Hussey,  Fannie  W., 

1851 

1871 

1912 

41 

61 

344  00 

1,032  00 

School. 

Teacher. 

Hutchins,  Amy, 

1851 

1870 

1910 

40 

59 

436  00 

1,308  00 

School. 

Teacher. 

James,  Annie  P.,     . 

1840 

1868 

1910 

42 

70 

180  00 

- 

School. 

Teacher. 

Johnson,  Ruby  A., 

1866 

1889 

1912 

23 

46 

263  73 

1,032  00 

School. 

Teacher. 

Josselyn,  Abbie  P., 

1846 

1867 

1909 

42 

63 

404  00 

1,212  00 

School. 

Teacher. 

1914: 


HOUSE  —  No.  2450. 


251 


BOSTON  TEACHERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  237  OF  THE 
ACTS  OF  1900,  AND  CHAPTER  589  OF  THE  ACTS  OF  1908  —  Continued. 


NAME. 

Date  of  Birth. 

£ 

1 

"3  . 

i' 

Date  of  Retirement. 

Years  of  Service. 

1 

1 
d 
& 

Amount  of  Pension. 

1 
3 

1 

^ 

Department. 

Rating. 

Kimball,  Charles  F.,      . 

1831 

1865 

1910 

45 

79 

$18000 

- 

School. 

Teacher. 

Kimball,  Henry  H., 

1835 

1877 

1910 

33 

75 

180  00 

- 

School. 

Teacher. 

Kimball,  Maria  D., 

1832 

1872 

1910 

38 

78 

18000 

- 

School. 

Teacher. 

King,  Charles  F.,    . 

1843 

1867 

1913 

46 

70 

600  00 

$3,420  00 

School. 

Teacher. 

Knowles,  Martha  A., 

1845 

1872 

1913 

41 

68 

408  00 

1,224  00 

School. 

Teacher. 

Lamson,  Fannie  M., 

1851 

1875 

1912 

37 

61 

404  00 

1,212  00 

School. 

Teacher. 

Lancaster,  Edward  M.,  . 

1832 

1858 

1910 

52 

78 

600  00 

3,180  00 

School. 

Teacher. 

Lane,  Fannie  D.,    . 

1856 

1879 

1909 

30 

53 

312  00 

936  00 

School. 

Teacher. 

Laughlin,  Helen  C., 

1861 

1881 

1912 

31 

51 

344  00 

1,032  00 

School. 

Teacher. 

Leach,  Ellen  E.,      . 

1840 

1859 

1910 

51 

70 

312  00 

936  00 

School. 

Teacher. 

Leonard,  Amos  M., 

1841 

1865 

1911 

46 

70 

600  00 

3,180  00 

School. 

Teacher. 

Leonard,  Sarah  E., 

1845 

1867 

1911 

44 

66 

436  00 

1,308  00 

School. 

Teacher. 

Lindenberg,  Althea  W.,  . 

1859 

1882 

1911 

29 

52 

301  60 

936  00 

School. 

Teacher. 

Loring,  Susan  A.  W., 

1830 

1859 

1910 

51 

80 

18000 

- 

School. 

Teacher. 

Lothrop,  Cordelia, 

1832 

1861 

1910 

49 

78 

180  00 

- 

School. 

Teacher. 

Marble,  Anna  E.,    . 

1848 

1888 

1910 

22 

62 

228  80 

792  00 

School. 

Teacher. 

Marble,  George  R., 

1832 

1868 

1910 

42 

78 

180  00 

- 

School. 

Teacher. 

Marston,  Elias  H., 

1843 

1865 

1913 

48 

70 

60000 

3,420  00 

School. 

Teacher. 

Maynard,  Emily  E., 

1845 

1867 

1909 

42 

64 

312  00 

93600 

School. 

Teacher. 

McDennott,  Ellen  C.,    . 

1854 

1880 

1911 

31 

57 

312  00 

936  00 

School. 

Teacher. 

McKean,  Ada  L.,    . 

1845 

1877 

1910 

33 

65 

18000 

- 

School. 

Teacher. 

McKenzie,  Amelia, 

1845 

1876 

1910 

34 

65 

180  00 

- 

School. 

Teacher. 

Mendell,  Abbie  S.  H.,    . 

1839 

1880 

1910 

30 

71 

312  00 

936  00 

School. 

Teacher. 

Meserve,  Esther  M., 

1836 

1885 

1908 

23 

72 

312  00 

93600 

School. 

Teacher. 

Minter,  Mary  E.,     . 

1849 

1869 

1909 

40 

60 

312  00 

93600 

School. 

Teacher. 

Mitchell,  Matilda,  . 

1841 

1863 

1911 

48 

70 

372  00 

1,116  00 

School. 

Teacher. 

Monro,  Sarah  A.  J., 

1857 

1880 

1910 

30 

53 

428  00 

1,28400 

School. 

Teacher. 

Montague,  Mary  A., 

1840 

1866 

1910 

44 

70 

18000 

School. 

Teacher. 

Morand,  Henri  M.  F.,     . 

1841 

1875 

1911 

36 

70 

600  00 

2,040  00 

School. 

Teacher. 

Morse,  Angeline  S., 

1855 

1876 

1909 

33 

54 

312  00 

936  00 

School. 

Teacher. 

Morse,  Ellen  E.,      . 

1838 

1869 

1910 

41 

72 

18000 

- 

School. 

Teacher. 

Morse,  Francis  A.,  . 

1843 

1865 

1913 

48 

70 

600  00 

3,420  00 

School. 

Teacher. 

1 

Moses,  L.  Theresa, 

1836 

1854 

1910 

46 

74 

18000 

"~ 

School. 

Teacher. 

252 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  TEACHERS  RETIRED  UNDER  THE  PROVISIONS 
ACTS  OP  1900,  AND  CHAPTER  589  OF  THE  ACTS 


OF  CHAPTER  237  OF  THE 
OF  1908  —  Continued. 


NAME. 

Date  of  Birth. 

.i 

cj 

< 

*1 

<D    O> 

is  S 

Date  of  Retirement.  I 

Years  of  Service. 

Age  at  Retirement.  1  1 

Amount  of  Pension. 

.I 

1 

3 

>>g 

Department. 

Rating. 

Mudge,  Cora  B.f     . 

1872 

1892 

1913 

21 

41 

$294  00 

$1,260  00 

School. 

Teacher. 

Neale,  Mary  F.,      . 

1839 

1862 

1910 

48 

71 

18000 

- 

School. 

Teacher. 

Needham,  Sarah  J.  C.,  . 

1842 

1874 

1910 

36 

68 

54000 

1,620  00 

School. 

Teacher. 

Newell,  Anne  E.,    . 

1841 

1862 

1911 

49 

70 

372  00 

1,116  00 

School. 

Teacher. 

Nichols,  Mary, 

1839 

1867 

1910 

43 

71 

18000 

- 

School. 

Teacher. 

Nickerson,  Abbie  C.,      . 

1847 

1868 

1911 

43 

64 

328  00 

984  00 

School. 

Teacher. 

Nickerson,  Caroline  K.,  . 

1831 

1861 

1910 

49 

79 

312  00 

93600 

School. 

Teacher. 

Norton,  Elizabeth  B.,     . 

1847 

1868 

1910 

42 

63 

372  00 

1,116  00 

School. 

Teacher. 

Nute,  Ida  B., 

1856 

1878 

1909 

31 

53 

312  00 

936  00 

School. 

Teacher. 

Nye,  Abby  F., 

1847 

1867 

1911 

44 

64 

54000 

1,620  00 

School. 

Teacher. 

O'Connor,  Ellen  M., 

1855 

1898 

1913 

15 

58 

196  00 

1,176  00 

School. 

Teacher. 

Parish,  Roswell, 

1841 

1883 

1911 

28 

70 

560  00 

3,20400 

School. 

Teacher. 

Patterson,  Margaret  J.,  . 

1868 

1892 

1913 

21 

45 

361  20 

1,548  00 

School. 

Teacher. 

Patterson,  Mary  E., 

1850 

1877 

1910 

33 

60 

312  00 

936  00 

School. 

Teacher. 

Peabody,  Mary  C., 

1840 

1888 

1908 

20 

68 

208  00 

792  00 

School. 

Teacher. 

Perry,  Minnie  A.,    . 

1861 

1881 

1911 

30 

50 

312  00 

936  00 

School. 

Teacher. 

Perry,  Serena  F.,    . 

1847 

1867 

1911 

44 

64 

312  00 

936  00 

School. 

Teacher. 

Pierce,  Mary  E.,      . 

1859 

1881 

1909 

28 

50 

373  33 

1,200  00 

School. 

Teacher. 

Pillsbury,  Ellenette, 

1842 

1865 

1912 

47 

70 

344  00 

1,032  00 

School. 

Teacher. 

Pitman,  Amelia  H., 

1834 

1858 

1910 

52 

76 

180  00 

- 

School. 

Teacher. 

Porter,  Emily  M.,  . 

1838 

1877 

1910 

33 

72 

18000 

- 

School. 

Teacher. 

Power,  Elizabeth  A., 

1847 

1888 

1908 

20 

61 

208  00 

93600 

School. 

Teacher. 

Pratt,  Ellen  A., 

1844 

1869 

1908 

39 

64 

312  00 

936  00 

School. 

Teacher. 

Preston,  Elizabeth  R.,    . 

1849 

1868 

1908 

40 

59 

372  00 

1,116  00 

School. 

Teacher. 

Rea,  Adelaide  A.,   . 

1840 

1876 

1910 

34 

70 

18000 

- 

School. 

Teacher. 

Reid,  Jane  F., 

1846 

1863 

1912 

49 

66 

420  00 

1,260  00 

School. 

Teacher. 

Rich,  Ruth  G., 

1841 

1871 

1909 

38 

68 

436  00 

1,308  00 

School. 

Teacher. 

Rich,  William  E.  C., 

1843 

1876 

1913 

37 

70 

600  00 

3,420  00 

School. 

Teacher. 

Richardson,  John  K.,     . 

1843 

1871 

1913 

42 

70 

600  00 

3,204  00 

School. 

Teacher. 

Rowe,  Ruth  E.,      . 

1837 

1869 

1910 

41 

73 

180  00 

- 

School. 

Teacher. 

Ruggles,  Olive, 

1822 

1879 

1910 

31 

88 

18000 

- 

School. 

Teacher. 

Rundlett,  Marion  W.,     . 

1843 

1866 

1913 

47 

70 

392  00 

1,176  00 

School. 

Teacher. 

Russell,  Almira  B., 

1835 

1862 

1910 

48 

75 

180  00 

- 

School. 

Teacher. 

1914.1 


HOUSE  — No.  2450. 


253 


BOSTON  TEACHERS 
ACTS  OF  1900, 


RETIRED   UNDER  THE  PROVISIONS  OF  CHAPTER  237  OF  THE 

AND  CHAPTER  589  OF  THE  ACTS  OF  1908  —  Continued. 


NAME. 

Date  of  Birth. 

J> 

_g 

< 
^ 

^ 

Date  of  Retirement.  1 

Years  of  Service. 

Age  at  Retirement.  1 

Amount  of  Pension.  I 

| 

1 
"S 
>>"§ 

jl 

OQ 

Department. 

Rating. 

Sanborn,  Cora  F.,  . 

1854 

1889 

1909 

2C 

55 

$208  00 

$93600 

School. 

Teacher. 

Sanborn,  Josephine  L.,  . 

1844 

1875 

1908 

33 

64 

54000 

1,620  00 

School. 

Teacher. 

Sawtelle,  Ellen  C., 

1843 

1864 

1912 

48 

69 

60000 

3,180  00 

School. 

Teacher. 

Sawyer,  Mary  C.,   . 

1841 

1869 

1910 

41 

69 

180  00 

- 

School. 

Teacher. 

Sayward,  Margaret  W.,  . 

1854 

1875 

1910 

3o 

56 

372  00 

1,116  00 

School. 

Teacher. 

Shaw,  Emma  G.,    % 

1839 

1863 

1910 

4" 

71 

60000 

1,764  00 

School. 

Teacher. 

Shaw,  Sarah,  . 

1838 

1877 

1908 

31 

70 

564  00 

1,692  00 

School. 

Teacher. 

Shorey,  Sarah  A.,  . 

1845 

1863 

1911 

48 

66 

600  00 

1,83600 

School. 

Teacher. 

Skilton,  Julia  A.,    . 

1843 

1876 

1908 

32 

65 

312  00 

93600 

School. 

Teacher. 

Smith,  Elizabeth  L., 

1857 

1876 

1908 

32 

51 

54000 

1,620  00 

School. 

Teacher. 

Smith,  Maria  J.,     . 

1840 

1861 

1910 

49 

70 

312  00 

936  00 

School. 

Teacher. 

Smith,  Sarah  R.,    . 

1836 

1857 

1910 

53 

74 

43600 

1,308  00 

School. 

Teacher. 

Southworth,  Edward,     . 

1838 

1866 

1910 

44 

72 

60000 

3,180  00 

School. 

Teacher. 

Stall,  Sarah,    . 

1839 

1876 

1909 

33 

70 

312  00 

936  00 

School. 

Teacher. 

Stickney,  Edward, 

1832 

1853 

1910 

57 

78 

600  00 

3,180  00 

School. 

Teacher. 

Stodder,  Elizabeth  L.,    . 

1842 

1869 

1912 

43 

70 

344  00 

1,032  00 

School. 

Teacher. 

Stone,  Ellen  R.,      . 

1831 

1866 

1913 

47 

82 

18000 

- 

School. 

Teacher. 

Stone,  Silas  C., 

1831 

1854 

1910 

56 

79 

600  00 

3,180  00 

School. 

Teacher. 

Sturtevant,  Harriet, 

1836 

1862 

1910 

48 

74 

31200 

93600 

School. 

Teacher. 

Swords,  Elizabeth, 

1830 

1870 

1910 

40 

80 

180  00 

- 

School. 

Teacher. 

Sylvester,  Adeline  L.,     . 

1841 

1860 

1908 

48 

67 

60000 

1,836  00 

School. 

Teacher. 

Tewskbury,  Mary  P.  E., 

1836 

1868 

1910 

42 

74 

180  00 

- 

School. 

Teacher. 

Thomas,  A.  Elizabeth,   . 

1845 

1881 

1911 

30 

66 

312  00 

936  00 

School. 

Teacher. 

Thompson,  Daniel  G.,   . 

1843 

1869 

1912 

43 

69 

500  00 

1,500  00 

School. 

Teacher. 

Thompson,  Helen  O.,     . 

1849 

1883 

1913 

30 

64 

312  00 

64800 

School. 

Teacher. 

Tiernay,  Mary  E.,  . 

1856 

1875 

1913 

38 

57 

392  00 

1,176  00 

School. 

Teacher. 

Todd,  Elizabeth  F., 

1849 

1871 

1911 

40 

62 

32800 

984  00 

School. 

Teacher. 

Todd,  Hattie  L.,     . 

1858 

1878 

1910 

32 

52 

312  00 

936  00 

School. 

Teacher. 

Tower,  Jennie  S.,    . 

1834 

1871 

1909 

38 

75 

436  00 

1,308  00 

School. 

Teacher. 

Towle,  Mary  C.  R., 

1839 

1858 

1910 

52 

71 

312  00 

93600 

School. 

Teacher. 

Travis,  Charles  B., 

1841 

1863 

1912 

49 

71 

600  00 

3,060  00 

School. 

Teacher. 

Trow,  Mary  E., 

1842 

1861 

1908 

47 

66 

312  00 

93600 

School. 

Teacher. 

Turner,  Elizabeth  A.,     . 

1844 

1867 

1908 

41 

64 

312  00 

93600 

School. 

Teacher. 

254 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  TEACHERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  237  OF  THE 
ACTS  OF  1900,  AND  CHAPTER  589  OF  THE  ACTS  OF  1908  —  Concluded. 


NAME. 

Date  of  Birth. 

J, 

o 

I 

"8  . 

|i 

Date  of  Retirement.  1 

Years  of  Service. 

J 

a 
o> 

a 
3 

a 

Amount  of  Pension.  1 

* 

^i  C3 

Department. 

Rating. 

Warren,  Horace  W., 

1842 

1872 

1912 

40 

70 

$600  00 

$3,180  00 

School. 

Teacher. 

Waterhouse,  Emma  A.,  . 

1843 

1874 

1911 

37 

68 

312  00 

936  00 

School. 

Teacher. 

Weeks,  Emily, 

1840 

1877 

1910 

33 

70 

180  00 

- 

School. 

Teacher. 

Wentworth,  Sarah  R.,    . 

1837 

1867 

1910 

43 

73 

180  00 

- 

School. 

Teacher. 

Wetherbee,  Elizabeth  B., 

1839 

1880 

1910 

30 

71 

312  00 

93600 

School. 

Teacher. 

Whipple,  Josephine  G.,  . 

1834 

1857 

1910 

53 

76 

18000 

- 

School. 

Teacher. 

Whitney,  Mary  E., 

1854 

1875 

1908 

33 

54 

372  00 

1,116  00 

School. 

Teacher. 

Wier,  Affie  TM 

1848 

1874 

1911 

37 

63 

18000 

- 

School. 

Teacher. 

Wilkins,  Mary  E.,   . 

1846 

1865 

1908 

43 

62 

312  00 

93600 

School. 

Teacher. 

Willett,  Emogene  F., 

1842 

1867 

1908 

41 

66 

312  00 

93600 

School. 

Teacher. 

Williams,  Charlotte  P.,  . 

1837 

1864 

1910 

46 

73 

180  00 

- 

School. 

Teacher. 

Winn,  Sarah  C.,      . 

1850 

1871 

1911 

40 

61 

43600 

1,308  00 

School. 

Teacher. 

Wise,  Margaret  T., 

1852 

1874 

1913 

39 

61 

60000 

1,908  00 

School. 

Teacher. 

Worcester,  Sarah  J., 

1852 

1878 

1913 

35 

61 

392  00 

1,176  00 

School. 

Teacher. 

Wormelle,  Benjamin, 

1836 

1868 

1910 

42 

74 

180  00 

- 

School. 

Teacher. 

Wyman,  Ellen  R.,  . 

1843 

1862 

1913 

51 

70 

392  00 

1,176  00 

School. 

Teacher. 

Yeaton,  Martha,     . 

1838 

1873 

1910 

37 

72 

312  00 

936  00 

School. 

Teacher. 

Young,  E.  Bentley, 

1841 

1866 

1911 

45 

70 

60000 

3,180  00 

School. 

Teacher. 

Total  amount  of  pension,  $78,738.52. 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  413  OF  THE 

ACTS  OF  1911. 

Public  Works  Department. 


BRIDGE  DIVISION. 

Crogan,  James  CM  . 

1848 

1895 

1911 

16 

63 

$450  00 

$900  00 

Public  Works. 

Draw  tender. 

Crowley,  Jeremiah, 

1845 

1891 

1911 

20 

66 

410  63 

'     821  25 

Public  Works. 

Watchman. 

Donahoe,  Dennis  J., 

1845 

1900 

1913 

13 

68 

410  63 

821  25 

Public  Works. 

Watchman. 

Edge  worth,  Samuel  B.,  . 

1846 

1889 

1912 

23 

66 

450  00 

900  00 

Public  Works. 

Draw  tender. 

Garvin,  Ezra  K.,    . 

1837 

1876 

1912 

36 

75 

782  50 

1,825  00 

Public  Works. 

Insp.  mason'y. 

Hayward,  Hampton  V., 

1836 

1901 

1911 

10 

75 

900  00 

90000 

Public  Works. 

Draw  tender. 

1914.1 


HOUSE  — No.  2450. 


255 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  413  OF  THE 

ACTS  OF  1911  —  Continued. 
Public  Works  Department  —  Continued. 


1 

"a 
I 

e 

a 

d 

.2 

I 

r| 

cx 

2 

> 

o 

O 

rH 

NAME. 

PQ 

•a 

1 

1 

1 

* 

03 

Department. 

Rating. 

•8 

"§ 

•a 

$ 

b 

18 

a 

jj! 

1 

P3 

i 
p 

£ 

4 

<1 

Is 

BRIDGE  DIVISION 

—  Con. 

McCabe,  John  J.t    . 

1844 

1879 

1913 

34 

69 

$50000 

$1,000  00 

Public  Works. 

Draw  tender. 

McFarland,  Daniel, 

1850 

1888 

1911 

23 

61 

60000 

1,200  00 

Public  Works. 

Draw  tender. 

Mclntire,  James  F., 

1847 

1897 

1911 

14 

64 

41063 

821  25 

Public  Works. 

Watchman. 

Total  amount  of  pension,  $4,914.39. 


FERRY  DIVISION. 

Austin,  William,     . 

1834 

1895 

1912 

17 

78 

$352  13 

$821  25 

Public  Works. 

Carp.  asst. 

Bussey,  George, 

1832 

1870 

1911 

41 

79 

660  00 

1,320  00 

Public  Works. 

Captain. 

Christiernin,  Henry  P.,  . 

1836 

1882 

1911 

29 

75 

1,050  00 

2,100  00 

Public  Works. 

Foreman. 

Flynn,  John  H.,      . 

1846 

1896 

1912 

16 

66 

45000 

900  00 

Public  Works. 

Quartermaster. 

Joy,  Francis  P., 

1841 

1870 

1913 

43 

72 

360  00 

912  50 

Public  Works. 

Laborer. 

Joy,  Joseph,    . 

1842 

1870 

1913 

43 

71 

352  13 

912  50 

Public  Works. 

Laborer. 

Long,  Dennis, 

1836 

1906 

1911 

5 

75 

480  00 

960  00 

Public  Works. 

Gateman. 

McKenney,  Mrs.  B.,       . 

1842 

1883 

1913 

30 

71 

24000 

48000 

Public  Works. 

Janitress. 

Moran,  Peter, 

1836 

1896 

1911 

15 

75 

45000 

90000 

Public  Works. 

Watchman. 

Moore,  John,  Jr.,     . 

1846 

1887 

1911 

24 

65 

42000 

840  00 

Public  Works. 

Deck  hand. 

Riley,  John  P., 

1844 

1876 

1911 

35 

67 

54000 

1,080  00 

Public  Works. 

Tollman. 

Wheeler,  John  A.,  . 

1845 

1890 

1911 

21 

66 

660  00 

1,320  00 

Public  Works. 

Captain. 

Total  amount  of  pension,  $6,014.26. 


PAVING  DIVISION. 

Adams,  Robert, 

1845 

1895 

1911 

16 

66 

$352  13 

$821  25 

Public  Works. 

Stableman. 

Blanchard,  Edward  P.,  . 

1845 

1873 

1911 

38 

66 

547  50 

1,277  50 

Public  Works. 

Steam  eng. 

Bolan,  Michael, 

1850 

1884 

1912 

28 

62 

352  13 

821  25 

Public  Works. 

Laborer. 

Bonner,  Neil, 

1836 

1861 

1912 

51 

76 

352  13 

821  25 

Public  Works. 

Laborer. 

Brennan,  John, 

1831 

1873 

1912 

39 

81 

352  13 

821  25 

Public  Works. 

Laborer. 

Buckley,  Timothy  J.,     . 

1851 

1887 

1912 

25 

61 

352  13 

821  25 

Public  Works. 

Laborer. 

Carroll,  Henry  M., 

1850 

1901 

1912 

11 

62 

352  13 

821  25 

Public  Works. 

Laborer. 

256 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  413  OF  THE 

ACTS  OF  1911  —  Continued. 
Public  Works  Department  —  Continued. 


NAME. 

Date  of  Birth.  ' 

4 

I 

<5 
o   . 

J* 

Date  of  Retirement.  1 

Years  of  Service.  ! 

Age  at  Retirement.  1 

Amount  of  Pension.  1 

j 

1 

3 

Department. 

Rating. 

PAVING  DIVISION 
—  Con. 
Chute,  James  J.,     . 

1847 

1891 

1911 

20 

64 

$430  38 

$1,003  75 

Public  Works. 

Weigher. 

Conroy,  John, 

1847 

1889 

1911 

22 

64 

352  13 

821  25 

Public  Works. 

Teamster. 

Cosgrove,  James, 

1849 

1874 

1912 

38 

63 

352  13 

821  25 

Public  Works. 

Watchman. 

Cronin,  William  E., 

1848 

1884 

1913 

29 

65 

352  13 

821  25 

Public  Works. 

Laborer. 

Crowley,  Dennis,    . 

1833 

1862 

1912 

50 

79 

352  13 

821  25 

Public  Works. 

Laborer. 

Culahan,  Malachi,  . 

1846 

1879 

1913 

34 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

Cullinane,  Simon  J., 

1842 

1887 

1913 

26 

71 

36000 

912  50 

Public  Works. 

Laborer. 

Cunningham,  Patrick,    . 

1837 

1872 

1912 

40 

75 

352  13 

821  25 

Public  Works. 

Laborer. 

Dinneen,  John, 

1844 

1880 

1913 

33 

69 

352  13 

821  25 

Public  Works. 

Laborer. 

Doherty,  Patrick,  . 

1840 

1871 

1913 

42 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

Donahoe,  John, 

1849 

1877 

1913 

36 

64 

352  13 

821  25 

Public  Works. 

Laborer. 

Doran,  Peter, 

1838 

1886 

1911 

25 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

Downing,  Robert,  . 

1848 

1895 

1911 

16 

63 

352  13 

821  25 

Public  Works. 

Laborer. 

Dumphy,  James,    . 

1832 

1880 

1911 

31 

79 

352  13 

821  25 

Public  Works. 

Laborer. 

Emmett,  Edward,  . 

1839 

1862 

1912 

50 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

Fitzgerald,  William  A.,  . 

1845 

1876 

1911 

35 

66 

90000 

1,800  00 

Public  Works. 

Foreman. 

Flannigan,  Thomas, 

1847 

1875 

1912 

37 

65 

352  13 

821  25 

Public  Works. 

Laborer. 

Gabriel,  Charles  J., 

1843 

1868 

1911 

43 

68 

547  75 

1,277  50 

Public  Works. 

Subforeman. 

Gallinaugh,  Edward,      . 

1842 

1887 

1912 

25 

70 

352  13 

821  25 

Public  Works. 

Laborer. 

Gilday,  James, 

1847 

1898 

1911 

13 

64 

352  13 

821  25 

Public  Works. 

Laborer. 

Good,  Thomas  F.,  . 

1839 

1886 

1911 

25 

72 

352  13 

821  25 

Public  Works. 

Laborer. 

Grady,  Michael,      . 

1844 

1885 

1912 

27 

68 

352  13 

821  25 

Public  Works. 

Laborer. 

Harrington,  Edward, 

1842 

1902 

1913 

11 

71 

352  13 

821  25 

Public  Works. 

Laborer. 

Hart,  Michael, 

1842 

1883 

1912 

29 

70 

352  13 

821  25 

Public  Works. 

Laborer. 

Hickey,  John, 

1837 

1874 

1912 

38 

75 

352  13 

821  25 

Public  Works. 

Laborer. 

Higgins,  Dennis,     . 

1841 

1872 

1911 

39 

70 

352  13 

821  25 

Public  Works. 

Laborer. 

Hollaran,  John, 

1842 

1887 

1912 

25 

70 

352  13 

821  25 

Public  Works. 

Laborer. 

Hopkins,  Nathan,  . 

1840 

1894 

1912 

18 

72 

352  13 

821  25 

Public  Works. 

Watchman. 

Horan,  Martin, 

1847 

1872 

1912 

40 

65 

352  13 

821  25 

Public  Works. 

Laborer. 

Howe,  Frederick,    . 

1847 

1895 

1911 

16 

64 

352  13 

821  25 

Public  Works. 

Laborer. 

Jones,  Richard, 

1845 

1885 

1912 

27 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

1914.] 


HOUSE  — No.  2450. 


257 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OP  CHAPTER  413  OF  THE 
ACTS  OF  1911  —  Continued. 

Public  Works  Department  —  Continued. 


NAME. 

Date  of  Birth. 

| 

1 

^ 

& 

Date  of  Retirement.  1 

Years  of  Service. 

Age  at  Retirement.  1  1 

Amount  of  Pension.  1 

a 

Department. 

Rating. 

PAVING  DIVISION 
—  Con. 
Keegan,  John, 

1838 

1874 

1912 

38 

74 

$352  13 

$821  25 

Public  Works. 

Laborer. 

Keenan,  Hugh, 

1846 

1883 

1912 

29 

66 

352  13 

821  25 

Public  Works. 

Laborer. 

Kelley,  John,  . 

1839 

1870 

1912 

42 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

Kelley,  Thomas  W.  H.,  . 

1843 

1891 

1911 

20 

68 

62600 

1,460  00 

Public  Works. 

Inspector. 

Lane,  Thomas, 

1840 

1882 

1912 

30 

72 

352  13 

821  25 

Public  Works. 

Laborer. 

Manley,  Henry, 

1841 

1869 

1911 

42 

70 

1,50000 

3,000  00 

Public  Works. 

Civil  eng. 

Marie,  Wallace  R., 

1844 

1900 

1912 

12 

68 

352  13 

821  25 

Public  Works. 

Watchman. 

McCabe,  Bernard,  . 

1837 

1891 

1911 

20 

74 

352  13 

821  25 

Public  Works. 

Laborer. 

McCarthy,  Bartholomew, 

1847 

1876 

1912 

36 

65 

352  13 

821  25 

Public  Works. 

Laborer. 

McCarthy,  Daniel, 

1828 

1887 

1912 

25 

84 

352  13 

821  25 

Public  Works. 

Laborer. 

McCarthy,  John,     . 

1846 

1897 

1911 

14 

65 

430  38 

1,003  75 

Public  Works. 

Watchman. 

McCullough,  Thomas,    . 

1839 

1864 

1912 

48 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

McDonald,  Michael, 

1843 

1873 

1912 

39 

69 

352  13 

821  25 

Public  Works. 

Laborer. 

McEleney,  John,     . 

1840 

1885 

1913 

28 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

McGovern,  John,    . 

1851 

1883 

1913 

30 

62 

360  00 

1,095  00 

Public  Works. 

Paver. 

Merrigan,  John  F., 

1845 

1885 

1912 

27 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

Moran,  Thomas, 

1838 

1900 

1912 

12 

74 

352  13 

821  25 

Public  Works. 

Laborer. 

Mulkern,  Michael,  . 

1841 

1884 

1912 

28 

71 

352  13 

821  25 

Public  Works. 

Laborer. 

Murphy,  Andrew,  . 

1839 

1889 

1911 

22 

72 

352  13 

821  25 

Public  Works. 

Laborer. 

Ninan,  Dennis, 

1846 

1884 

1912 

28 

66 

352  13 

821  25 

Public  Works. 

Laborer. 

O'Donnell,  Patrick, 

1839 

1895 

1911 

16 

72 

352  13 

821  25 

Public  Works. 

Laborer. 

Reddington,  Timothy,  . 

1842 

1874 

1912 

38 

70 

352  13 

821  25 

Public  Works. 

Laborer. 

Russell,  John, 

1844 

1874 

1912 

38 

68 

352  13 

821  25 

Public  Works. 

Laborer. 

Ryan,  Jeremiah, 

1839 

1878 

1912 

34 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

Ryan,  John,    . 

1844 

1867 

1912 

45 

68 

352  13 

821  25 

Public  Works. 

Laborer. 

Ryan,  Thomas, 

1833 

1869 

1912 

43 

79 

352  13 

821  25 

Public  Works. 

Laborer. 

Smith,  John,  . 

1847 

1900 

1911 

11 

64 

352  13 

821  25 

Public  Works. 

Laborer. 

Sullivan,  James, 

1850 

1881 

1912 

31 

62 

352  13 

821  25 

Public  Works. 

Laborer. 

Towle,  John,  . 

1844 

1895 

1911 

16 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

Walsh,  Michael,      . 

1842 

1883 

1912 

29 

70 

352  13 

821  25 

Public  Works. 

Laborer. 

Woodward,  John  O., 

1834 

1902 

1913 

11 

79 

391  25 

912  50 

Public  Works. 

Painter. 

Total  amount  of  pension,  $26,868.92. 


258 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  413  OF  THE 
ACTS  OF  1911  —  Continued. 

Public  Works  Department — Continued. 


NAME. 

Date  of  Birth.  j 

.i 

a 

•< 

o^ 
®  § 
QS 

Date  of  Retirement.  1 

Years  of  Service.  i 

Age  at  Retirement.  1 

Amount  of  Pension.  1 

| 

1 

03 
>>"fl 

I1 

Department. 

Rating. 

SANITARY  DIVISION. 

Ambrose,  Thomas, 

1842 

1885 

1912 

27 

70 

$352  13 

$821  25 

Public  Works. 

Laborer. 

Ayers,  Joseph  F.,    . 

1841 

1900 

1911 

11 

70 

469  50 

1,095  00 

Public  Works. 

Inspector. 

Bloom,  George, 

1849 

1882 

1913 

31 

64 

360  00 

912  50 

Public  Works. 

Painter. 

Burke,  Thomas,      . 

1851 

1880 

1912 

32 

61 

352  13 

821  25 

Public  Works. 

Laborer. 

Burns,  Peter,  . 

1841 

1872 

1912 

40 

71 

352  13 

821  25 

Public  Works. 

Laborer. 

Callahan,  Owen,     . 

1839 

1885 

1913 

28 

74 

352  13 

821  25 

Public  Works. 

Laborer. 

Callahan,  Peter, 

1851 

1871 

1913 

42 

62 

352  13 

821  25 

Public  Works. 

Laborer. 

Cochrane,  Michael, 

1839 

1879 

1912 

33 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

Condon,  Edward,  . 

1838 

1874 

1912 

38 

74 

352  13 

821  25 

Public  Works. 

Laborer. 

Conley,  John, 

1849 

1873 

1912 

39 

63 

352  13 

821  25 

Public  Works. 

Laborer. 

Corcoran,  William, 

1839 

1887 

1911 

24 

72 

352  13 

821  25 

Public  Works. 

Laborer. 

Coughlin,  William, 

1838 

1877 

1912 

35 

74 

352  13 

821  25 

Public  Works. 

Laborer. 

Curley,  Michael,     . 

1833 

1871 

1912 

41 

79 

352  13 

821  25 

Public  Works. 

Laborer. 

Davidmeyer,  Louis, 

1840 

1895 

1912 

17 

72 

352  1 

821  25 

Public  Works. 

Laborer. 

Dobbins,  John, 

1834 

1883 

1912 

29 

78 

352  1 

821  25 

Public  Works. 

Laborer. 

Downing,  Charles, 

1841 

1872 

1912 

40 

71 

352  1 

821  25 

Public  Works. 

Laborer. 

Farrell,  Lawrence,  . 

1846 

1879 

1913 

34 

67 

352  1 

821  25 

Public  Works. 

Laborer. 

Fortier,  Edmund,  . 

1839 

1877 

1913 

36 

74 

352  1 

821  25 

Public  Works. 

Laborer. 

Garrigan,  Michael, 

1839 

1875 

1912 

37 

73 

352  1 

821  25 

Public  Works. 

Laborer. 

Gorham,  Patrick,    . 

1839 

1873 

1912 

39 

73 

352  1 

821  25 

Public  Works. 

Laborer. 

Gotthardt,  Gustave, 

1833 

1874 

1912 

38 

79 

352  1 

821  25 

Public  Works. 

Laborer. 

Harkins,  Daniel,     . 

1841 

1875 

1911 

36 

70 

352  1 

821  25 

Public  Works. 

Teamster. 

Harkins,  Neil, 

1838 

1883 

1912 

29 

74 

352  1 

821  25 

Public  Works. 

Laborer. 

Hurley,  Timothy,  . 

1839 

1881 

1912 

31 

73 

352  1 

821  25 

Public  Works. 

Laborer. 

Keenan,  Thomas  E., 

1838 

1861 

1912 

51 

74 

352  1 

821  25 

Public  Works. 

Laborer. 

King,  Michael, 

1841 

1875 

1912 

37 

71 

352  1 

821  25 

Public  Works. 

Laborer. 

Malley,  James, 

1848 

1873 

1912 

39 

64 

352  1 

821  25 

Public  Works. 

Teamster. 

Maxwell,  Isaac  S.,  . 

1845 

1900 

1911 

11 

66 

410  63 

821  25 

Public  Works. 

Stableman. 

McCarron,  Richard, 

1833 

1874 

1913 

39 

80 

352  13 

821  25 

Public  Works. 

Dumper. 

McCarter,  John, 

1849 

1872 

1912 

40 

63 

352  13 

821  25 

Public  Works. 

Laborer. 

1914.1 


HOUSE  — No.  2450. 


259 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  413  OP  THE 
ACTS  OF  1911  —  Continued. 

Public  Works  Department  —  Continued. 


"3 
•3 

i 

t 

d 

i 

4 

0, 

ft 

1 

| 

2 

1 

i 

NAME. 

1 

j§ 

Date  of  Re 

0 

1 
1 

Amount  of 

OS 

bl 

Department. 

Rating. 

SANITART  DIVISION 
—  Con. 
McLaughlin,  Augustus,  . 

1845 

1895 

1911 

16 

66 

$352  13 

$821  25 

Public  Works. 

Laborer. 

Mullen,  Henry, 

1851 

1884 

1912 

28 

61 

352  13 

821  25 

Public  Works. 

Laborer. 

Mulvey,  Thomas,   . 

1838 

1879 

1912 

33 

74 

352  13 

821  25 

Public  Works. 

Laborer. 

Murphy,  Daniel,     . 

1842 

1888 

1911 

23 

69 

352  13 

821  25 

Public  Works. 

Laborer. 

Rowe,  Walter  H.,    . 

1844 

1901 

1912 

11 

68 

469  50 

1,095  00 

Public  Works. 

Clerk. 

Sweeney,  Edward  F.,     . 

1846 

1885 

1912 

27 

66 

352  13 

821  25 

Public  Works. 

Laborer. 

Toomey,  Patrick,    . 

1842 

1888 

1913 

25 

71 

352  13 

821  25 

Public  Works. 

Teamster. 

Vaughan,  James,     . 

1837 

1879 

1913 

34 

76 

352  13 

821  25 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $13,682.05. 


SEWER  DIVISION. 

Baker,  Gushing, 

1847 

1888 

1913 

25 

66 

$455  00 

$1,064  58 

Public  Works. 

Steam  eng. 

Barry,  John,    . 

1845 

1880 

1912 

32 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

Barry,  John  H., 

1847 

1896 

1913 

17 

66 

456  25 

912  50 

Public  Works. 

Watchman. 

Chadwick,  William  F.,  . 

1846 

1897 

1912 

15 

66 

468  00 

1,095  00 

Public  Works. 

Clerk. 

Cronin,  Patrick,      . 

1849 

1883 

1913 

30 

64 

360  00 

912  50 

Public  Works. 

Bracer. 

Donohue,  Patrick, 

1839 

1887 

1912 

25 

73 

352  13 

821  25 

Public  Works. 

Laborer. 

Early,  Thomas  J.,  . 

1852 

1888 

1913 

25 

61 

360  00 

912  50 

Public  Works. 

Bracer. 

Farrell,  James, 

1845 

1895 

1911 

16 

66 

410  63 

821  25 

Public  Works. 

Watchman. 

Finn,  James  H., 

1839 

1888 

1911 

23 

72 

72800 

1,703  33 

Public  Works. 

Engineer. 

Gallagher,  James,  . 

1852 

1886 

1912 

26 

60 

352  13 

821  25 

Public  Works. 

Laborer. 

Kelly,  Martin, 

1846 

1884 

1912 

28 

66 

410  63 

821  25 

Public  Works. 

Watchman. 

Malloy,  Owen, 

1851 

1885 

1912 

27 

61 

352  13 

821  25 

Public  Works. 

Laborer. 

McFarland,  John,  . 

1852 

1888 

1913 

25 

61 

352  13 

821  25 

Public  Works. 

Laborer. 

McLaughlin,  Bernard,    . 

1845 

1886 

1912 

26 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

Park,  William, 

1833 

1900 

1911 

11 

78 

900  00 

1,800  00 

Public  Works. 

Foreman. 

Ryan,  John,    . 

1850 

1887 

1912 

25 

62 

352  13 

821  25 

Public  Works. 

Laborer. 

Slattery,  John, 

1846 

1888 

1911 

23 

65 

468  00 

1,095  00 

Public  Works. 

Storekeeper. 

Sweeney,  John, 

1837 

1895 

1911 

16 

74 

352  13 

821  25 

Public  Works. 

Laborer. 

260 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  413  OF  THE 
ACTS  OF  1911  —  Continued. 

Public  Works  Department  —  Continued. 


"a 

: 

| 

j 

1 

« 

1 

I 

remen 

£ 

1 

NAME. 

m 

w 

S 

f 

•s 

-g 

Department. 

Rating. 

•8 

°«i 

"8 

•8 

« 

a 

*i 

1 

|| 

• 

I 

& 

| 

IH    O> 

Q 

Q 

Q 

•5 

05 

SEWER  DIVISION  —  Con. 

Wade,  Michael, 

1838 

1886 

1912 

26 

74 

$352  13 

$821  25 

Public  Works. 

Laborer. 

Wiley,  Jamea  R.,    . 

1844 

1896 

1911 

15 

67 

468  00 

1,095  00 

Public  Works. 

Blacksmith. 

Wood,  Albert  P.,    . 

1844 

1897 

1912 

15 

68 

508  63 

1,186  25 

Public  Works. 

Oiler. 

Total  amount  of  pension,  $9,162.31. 


STREET  CLEANING  AND 
OILING  DIVISION. 
Craffey,  John  F.,    . 

1844 

1886 

1912 

26 

68 

$352  13 

$821  25 

Public  Works. 

Laborer. 

Cuddy,  Paul  J.,      . 

1848 

1887 

1912 

25 

64 

352  13 

821  25 

Public  Works. 

Laborer. 

Cunningham,  Patrick,    . 

1837 

1873 

1912 

39 

75 

352  13 

821  25 

Public  Works. 

Laborer. 

D,evine,  James  H., 

1843 

1891 

1911 

20 

68 

469  50 

1,095  00 

Public  Works. 

Subforeman. 

Doherty,  John, 

1837 

1861 

1912 

51 

75 

410  63 

821  25 

Public  Works. 

Stableman. 

Fenno,  Abraham,   . 

1845 

1895 

1913 

18 

68 

391  25 

912  50 

Public  Works. 

Dumpman. 

Finnerty,  James,     . 

1841 

1902 

1912 

10 

71 

352  13 

821  25 

Public  Works. 

Laborer. 

Fitzsimmons,  John, 

1841 

1870 

1912 

42 

71 

352  13 

821  25 

Public  Works. 

Laborer. 

Gillen,  Daniel, 

1836 

1860 

1912 

52 

76 

352  13 

821  25 

Public  Works. 

Laborer. 

Gilmartin,  Patrick, 

1841 

1870 

1912 

40 

71 

352  13 

821  25 

Public  Works. 

Laborer. 

Johnson,  John  F.,  . 

1841 

1895 

1912 

17 

71 

410  63 

821  25 

Public  Works. 

Stableman. 

Joyce,  Martin, 

1840 

1888 

1913 

25 

73 

360  00 

912  50 

Public  Works. 

Laborer. 

Linehan,  Edward,  . 

1850 

1885 

1912 

27 

62 

410  63 

821  25 

Public  Works. 

Laborer. 

Malvey,  James, 

1844 

1875 

1912 

37 

68 

352  13 

821  25 

Public  Works. 

Laborer. 

McGrath,  Dennis,  . 

1850 

1884 

1912 

28 

62 

352  13 

821  25 

Public  Works. 

Laborer. 

Moore,  William,       . 

1844 

1875 

1912 

37 

68 

352  13 

821  25 

Public  Works. 

Laborer. 

Murphy,  John  J.,    . 

1844 

1891 

1912 

21 

68 

547  75 

1,277  50 

Public  Works. 

Subforeman. 

Organ,  Patrick, 

1845 

1891 

1912 

21 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

Raughan,  Patrick, 

1849 

1881 

1913 

32 

64 

352  13 

821  25 

Public  Works. 

Laborer. 

Rogan,  Michael, 

1844 

1879 

1912 

33 

68 

352  13 

821  25 

Public  Works. 

Laborer. 

Sullivan,  John, 

1847 

1891 

1912 

21 

65 

352  13 

821  25 

Public  Works. 

Laborer. 

Sullivan,  John, 

1846 

1887 

1912 

25 

66 

352  13 

821  25 

Public  Works. 

Laborer. 

Sweeney,  Edward, 

1840 

1891 

1912 

21 

72 

352  13 

821  25 

Public  Works. 

Laborer. 

1914.1 


HOUSE  — No.  2450. 


261 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  413  OF  THE 
ACTS  OF  1911  —  Continued. 

Public  Works  Department  —  Continued. 


j 

1 

d 

1 

J3 

1 

.§ 

1 

t» 

I 

§ 

1 

NAME. 

« 

1 

1 

"8 

el 

Department. 

Rating. 

Date  of 

*i 
|i 

"8 

1 

o 

3 

a 

1 

i1 

STREET  CLEANING  AND 

OILING  DIVISION  — 

Con. 

Toole,  Patrick, 

1852 

1885 

1912 

27 

60 

$352  13 

$821  25 

Public  Works. 

Laborer. 

Walsn,  John  F.,       . 

1847 

1887 

1912 

25 

65 

352  13 

821  25 

Public  Works. 

Laborer. 

Welch,  Martin, 

1850 

1884 

1912 

28 

62 

352  13 

821  25 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $9,690.86. 


WATER  DIVISION. 

Burns,  Matthew,     . 

1836 

1887 

1912 

25 

76 

$352  13 

$821  25 

Public  Works. 

Laborer. 

Callahan,  Thomas  F.,     . 

1842 

1899 

1911 

12 

69 

352  13 

821  25 

Public  Works. 

Laborer. 

Carroll,  William,     . 

1850 

1882 

1913 

31 

63 

353  69 

912  50 

Public  Works. 

Laborer. 

Cook,  John,     . 

1844 

1884 

1913 

29 

69 

352  13 

821  25 

Public  Works. 

Laborer. 

Donahue,  Michael, 

1849 

1886 

1913 

27 

64 

353  69 

912  50 

Public  Works. 

Laborer. 

Drown,  Benjamin  F.,     . 

1846 

1897 

1913 

16 

67 

800  00 

1,600  00 

Public  Works. 

Clerk. 

Ducey,  Thomas  F., 

1842 

1888 

1913 

25 

71 

352  13 

821  25 

Public  Works. 

Laborer. 

Edmonds,  Michael  F.,    . 

1844 

1883 

1911 

28 

67 

550  00 

1,100  00 

Public  Works. 

Inspector. 

Fitzpatrick,  John  B., 

1847 

1891 

1912 

21 

65 

500  00 

1,000  00 

Public  Works. 

Inspector. 

Gilray,  James, 

1851 

1876 

1912 

36 

61 

352  13 

821  25 

Public  Works. 

Laborer. 

Hayes,  Joseph, 

1847 

1897 

1912 

15 

65 

547  75 

1,277  50 

Public  Works. 

Carpenter. 

Huntress,  Walter  C., 

1840 

1895 

1911 

16 

71 

352  13 

821  25 

Public  Works. 

Laborer. 

Joyce,  Patrick, 

1842 

1885 

1911 

26 

69 

410  63 

821  25 

Public  Works. 

Watchman. 

Kane,  John,    . 

1831 

1884 

1912 

28 

81 

352  13 

821  25 

Public  Works. 

Laborer. 

Kelley,  Walter, 

1839 

1886 

1913 

27 

74 

360  00 

1,095  00 

Public  Works. 

Paver. 

Kenney,  William,    . 

1839 

1874 

1911 

37 

72 

352  13 

821  25 

Public  Works. 

Calker. 

Leonard,  Michael,  . 

1851 

1886 

1912 

26 

61 

352  13 

821  25 

Public  Works. 

Laborer. 

Linnell,  George  H.f 

1843 

1896 

1911 

15 

68 

352  13 

821  25 

Public  Works. 

Laborer. 

Lynch,  Philip  P.,    . 

1831 

1885 

1911 

26 

80 

352  13 

821  25 

Public  Works. 

Laborer. 

Magee,  Bernard,      . 

1854 

1888 

1912 

24 

58 

547  75 

1,277  50 

Public  Works. 

Carpenter. 

Maloney,  Jere  P.,    . 

1842 

1895 

1911 

16 

69 

45000 

900  00 

Public  Works. 

Messenger. 

Martin,  James, 

1842 

1885 

1911 

26 

69 

508  63 

1,186  25 

Public  Works. 

Machinist. 

McCaffrey,  Philip, 

1846 

1884 

1912 

28 

66 

352  13 

821  25 

Public  Works. 

Laborer. 

McCormick,  Patrick, 

1838 

1873 

1912 

39 

74 

352  13 

821  25 

Public  Works. 

Laborer. 

262 


COMMISSION  ON  PENSIONS. 


[Apr. 


BOSTON  LABORERS  RETIRED  UNDER  THE  PROVISIONS  OF  CHAPTER  413  OF  THE 

ACTS  OF  1911  —  Concluded. 
Public  Works  Department  —  Concluded. 


NAME. 

43 

5 
•8 

I 

.i 

a 

1 

a 

< 

^ 

i" 

Date  of  Retirement.  I 

Years  of  Service. 

Age  at  Retirement.  I 

Amount  of  Pension. 

i 
1 

• 
j 

>>  a 

s-  o> 

•P 

W 

Department. 

Rating. 

WATER  DIVISION  —  Con. 

McDavitt,  Philip,  . 

1845 

1886 

1911 

25 

66 

$469  50 

$1,095  00 

Public  Works. 

Paver. 

McGorty,  Charles, 

1850 

1883 

1912 

28 

62 

352  13 

821  25 

Public  Works. 

Laborer. 

McNaughton,  Con.  J., 

1849 

1880 

1911 

23 

62 

650  00 

1,300  00 

Public  Works. 

Clerk. 

Murphy,  James, 

1848 

1899 

1911 

12 

63 

352  13 

821  25 

Public  Works. 

Teamster. 

Murphy,  John  J.,  . 

1848 

1889 

1912 

23 

64 

550  00 

1,100  00 

Public  Works. 

Inspector. 

O'Brien,  James, 

1847 

1883 

1912 

29 

65 

352  13 

821  25 

Public  Works. 

Laborer. 

O'Donnell,  Daniel, 

1843 

1884 

1912 

28 

69 

352  13 

821  25 

Public  Works. 

Laborer. 

O'Leary,  Bart, 

1846 

1887 

1912 

25 

66 

352  13 

821  25 

Public  Works. 

Laborer. 

Raymond,  Charles, 

1840 

1895 

1912 

17 

72 

80000 

1,600  00 

Public  Works. 

Clerk. 

Rogers,  John, 

1842 

1887 

1912 

25 

70 

352  13 

821  25 

Public  Works. 

Laborer. 

Ryan,  Patrick, 

1845 

1868 

1912 

44 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

Sheedy,  Patrick,     . 

1844 

1887 

1912 

25 

68 

352  13 

821  25 

Public  Works. 

Laborer. 

Shepard,  James  S., 

1847 

1895 

1911 

16 

64 

55000 

1,100  00 

Public  Works. 

Inspector. 

Swan,  Walter  E.,     . 

1844 

1875 

1912 

37 

68 

1,000  00 

2,000  00 

Public  Works. 

Clerk. 

Sweeney,  Daniel,    . 

1844 

1886 

1911 

25 

67 

352  13 

821  25 

Public  Works. 

Laborer. 

Trask,  Charles  H., 

1852 

1895 

1912 

17 

60 

547  75 

1,277  50 

Public  Works. 

Carpenter. 

Welch,  Peter,  . 

1851 

1874 

1912 

38 

61 

352  13 

821  25 

Public  Works. 

Laborer. 

Total  amount  of  pension,  $18,048.38. 

Park  Department. 


Ahern,  Thomas, 

1847 

1884 

1912 

28 

65 

$352  13 

$821  25 

Park. 

Laborer. 

Cahill.John,  . 

1845 

1887 

1912 

25 

67 

352  13 

821  25 

Park. 

Laborer. 

Devine,  Timothy,  . 

1838 

1887 

1912 

25 

74 

352  13 

821  25 

Park. 

Laborer. 

Donovan,  John  J., 

1844 

1891 

1911 

20 

67 

352  13 

821  25 

Park. 

Laborer. 

Foley,  Edward, 

1837 

1887 

1912 

25 

75 

352  13 

821  25 

Park. 

Laborer. 

Henneberry,  Edward,     . 

1851 

1883 

1912 

29 

61 

352  13 

821  25 

Park. 

Laborer. 

Lee,  Patrick,  . 

1847 

1887 

1912 

25 

65 

352  13 

821  25 

Park. 

Laborer. 

McGowan,  William, 

1844 

1884 

1912 

28 

68 

352  13 

821  25 

Park. 

Laborer. 

Murphy,  John, 

1840 

1887 

1912 

25 

72 

352  13 

821  25 

Park. 

Laborer. 

Myers,  John,  . 

1842 

1887 

1912 

25 

70 

352  13 

821  25 

Park. 

Laborer. 

Shea,  Patrick, 

1848 

1887 

1912 

25 

64 

352  13 

821  25 

Park. 

Laborer. 

Total  amount  of  pension,  $3,873.43. 


1914., 


HOUSE  — No.  2450. 


263 


MISCELLANEOUS  DEPARTMENTS. 


A 

1 

a 

irement.  1 

J 

1 

d 

£ 

1 

NAME. 

£ 
•s 

"o^ 
d 

& 

*o 

"o 

1 

3 

"cl 

Department. 

Rating. 

I 

®  o> 

|a 

I 

1 

| 

H    O 

Loveren,  Edgar  H., 

1841 

1881 

1911 

30 

70 

$912  50 

$1,825  00 

Assessing. 

Clerk. 

Bleiler,  Charles,      . 

1844 

1901 

1912 

11 

68 

410  63 

821  25 

Bath. 

Janitor. 

Corliss,  Thomas,     . 
Flynn,  John  J., 

1838 
1845 

1860 
1869 

1912 
1913 

52 

44 

74 
68 

352  13 
352  13 

821  25 
821  25 

Cemetery. 
Cemetery. 

Grave  digger. 
Laborer. 

McDonald,  Patrick, 

1842 

1886 

1912 

26 

70 

352  13 

821  25 

Cemetery'. 

Ledgeman. 

Mullen,  John, 

1835 

1887 

1912 

25 

77 

352  13 

821  25 

Cemetery. 

Laborer. 

Sloan,  David  F.,     . 

1825 

1878 

1911 

33 

86 

352  13 

821  25 

Cemetery. 

Asst.  gardener. 

Vantassel,  Aaron,    . 

1837 

1884 

1912 

28 

75 

352  13 

821  25 

Cemetery. 

Laborer. 

McCarthy,  John  E., 

1846 

1869 

1911 

42 

65 

1,000  00 

2,000  00 

Children's  Inst. 

General  agent. 

Derby,  Isaac  W.,     . 
Davis,  Charles  E.,  Jr., 
Durgin,  Samuel  H., 

1836 
1843 
1840 

1874 
1866 
1867 

1911 
1911 
1912 

37 

45 
45 

75 

68 
72 

1,050  00 
1,500  00 
2,500  00 

2,100  00 
3,000  00 
5,000  00 

Collecting. 
Health. 
Health. 

Deputy  col. 
Secretary. 
Chairman. 

Reed,  John  D., 
Childs,  Henry  W.,  . 

1844 

1847 

1878 
1888 

1912 
1912 

34 
24 

68 
65 

700  00 
375  00 

1,400  00 
750  00 

Poor. 
Public  Bldg. 

Storekeeper. 
Janitor. 

Frost,  Emery  W.,    . 

1847 

1901 

1912 

11 

65 

175  00 

341  33 

Public  Bldg. 

Janitor. 

Ricker,  Oliver  P.,  . 

1837 

1901 

1912 

11 

75 

600  00 

1,200  00 

Wire. 

Clerk. 

Total  amount  of  pension,  $11,335.91. 


SUMMARY  OF  PENSION  PAYMENTS  BY  CITY  OF  BOSTON. 


DEPARTMENT. 

Number. 

Annual 

Cost. 

Police  
Police,  widows  

210 
15 

$141,135  00 
4,350  00 

Firemen,      
Firemen,  widows,        

202 

27 

$115.041  67 
8,100  00 

School, 

234 

78,738  52 

Public  Works  
Other  departments,     

216 

27 

88,381  17 
15,209  34 

Total 

931 

$450  955  70 

SUMMARY  OF  PENSION  PAYMENTS  IN  MASSACHUSETTS. 


Number  of 
Pensioners. 

Annual 
Cost. 

State,        
Counties,          
Cities,       
Towns                                                           

217 
38 
1,208 
38 

$120,516  46 
19,566  36 
566,826  81 
14,354  40 

Total,         

1,501 

$721,264  03 

25 

Cities  having  no  pensioners,  . 

8 

Towns  having  pensioners, 
Counties  having  pensioners,  . 

.      15 

9 

Towns  having  no  pensioners, 
Counties  having  no  pensioners, 

.    305 
5 

264 


COMMISSION  ON  PENSIONS. 


[Apr. 


APPENDIX  B. 


DIGEST   OF   PENSION   LEGISLATION 
EMPLOYEES  OF  ALL  STATES 


1.  Firemen. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED  BY  — 

State. 

Local 
Authorities. 

Firemen. 

Alabama. 

Gen.  Laws  of  1911, 
No.  254,  sect.  18^- 
Applies  to  cities  oi 
25,000  to  50,000. 

Board  of  4  com- 
missioners (same 
having  entire 
charge  of  rity 
government.) 

Nothing. 

Total   expense   to 
be  met  out  of  any 
unexpended  ap- 
propriation 
balance. 

Nothing. 

Acts  of  1911,  No. 
431.    Applies  to 
all  cities  over 
25,000. 

Such  manage- 
ment as  city 
may  adopt. 

Nothing. 

Total  expense  to 
be  met  out  of  any 
unexpended  ap- 
propriation 
balance. 

Nothing. 

Arizona. 

No  legislation. 

Arkansas. 

No  legislation. 

California. 

Acts  of  1901,  ch. 
87,  as  amended 
by  Acts  of  1903, 
ch.  143.    Applies 
to  entire  State. 

Board  of  Fire 
Commissioners 
(if  none,  local 
governing  body). 

Nothing. 

Entire  amount. 

Nothing. 

OAKLAND. 

City  charter  of 
1910. 

Board  of  3  city 
officials. 

Nothing. 

Annual  appro- 
priation neces- 
sary to  carry  act 
into  effect. 

£2  monthly  from 
salary. 

1914.] 


HOUSE  —  No.  2450. 


265 


APPENDIX  B. 


RELATING  TO  STATE,  COUNTY  AND  MUNICIPAL 
IN  THE  UNITED  STATES. 

1.  Firemen. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of  an- 
nual salary  at 
time  of  retirement. 

Recognized  at 
any  time  if 
incurred  in  line  oi 

After  20  years  of 
service  in  police 
or  fire  depart- 

Nothing. 

Nothing. 

No  one  eligible  for 
pensions  who 
"possesses  inde- 

duty. 

ments  if  50  years 
of  age. 

pendent  means  of 
livelihood."    An- 

nuitants to  re- 

main on  reserve 

list  subject  to  de- 

partment rules. 

Act  mandatory 

on  all  cities. 

One-half  of 
annual  salary  at 
time  of  retirement. 

Recognized  at 
any  time  if 
incurred  in  line 

After  25  years  of 
service  in  police 
or  fire  depart- 

Nothing. 

Nothing. 

No  one  eligible  for 
pensions  who 
"possesses  inde- 

of duty. 

ments  if  60  years 

pendent  means  of 

of  age. 

livelihood."    An- 

• 

nuitants  to  re- 

main on  reserve 

list  subject  to 

department  rules. 

One-half  of  an- 
nual salary  at 
time  of  retirement 

Recognized  at 
any  time  if  in- 
curred in  line  of 

After  20  years  of 
service  if  60 
years  of  age. 

[n  event  of  death 
in  line  of  duty, 
widow,  or  children 

Nothing. 

If  member  is  con- 
victed of  felony, 
habitual  drunken- 

for age,  service  or 
disability. 

duty. 

under  16,  or  if 
neither,  dependent 

ness  or  disobedi- 
ence or  becomes 

parents,  receive  % 
of  salary  of  member 

nonresident,  pen- 
sion ceases. 

at  time  of  death; 

Members  dis- 

in event  of  death 

missed  within  1 

from  natural 
causes  after  10 

year  of  passage  of 
act  for  inefficiency 

years  of  service, 

caused  by  inju- 

widow or  other 

ries  in  line  of 

dependents 

duty,  after  12  years 

receive  $1,000. 

of  service,  are  en- 

titled to  all  the 

benefits  of  the  act. 

One-half  of  an- 
nual salary  1  year 
prior  to  retire- 

Recognized at 
any  time  if  in- 
curred in  line  of 

S'o  provision. 

If  killed  in  line  of 
duty,  widow,  or 
children  under  16 

Nothing. 

[f  member  is  con- 
victed of  felony, 
labitual  drunk- 

ment. 

duty;  after  20 
years  of  service 
f  55  years  of 

years  of  age,  or 
dependent  par- 
ents receive  K  of 

enness  or  becomes 
nonresident, 
pension  ceases. 

age. 

annual  salary  at 

ime  of  death. 

'.n  event  of  death 

from  natural 

causes  after  10 

years  of  service, 

51,000. 

266 


COMMISSION  ON  PENSIONS. 


[Apr. 


1 .  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Firemen. 

Colorado. 

(DENVER.) 

Acts  of  1903,  ch. 
172,  and  city 
charter  of  1904. 
Act  applies  to 
cities  over 
100,000. 

Board  of  trustees 
of  5  city  officials. 

Nothing. 

Tax  levy  of  1  cent 
on  each  $100  of 
taxable  property 
when  fund  is 
below  $300,000. 

Fines,  penalties 
and  rewards. 

Connecticut. 

No  State-wide 
legislation. 

BRIDGEPORT. 

City  charter  of 
1907. 

Board  of  Fire 
Commissioners. 

Nothing. 

Any  deficit  oc- 
curring in  funds 
needed  to  pay 
pensions. 

Monthly  assess- 
ments not  exceed- 
ing 2%  of  salary. 
Assessment  on 
permanent  men 
1A  that  on  call 
men. 

NEW  HAVEN. 

Acts  of  1894. 

Board  of  Fire 
Commissioners. 

Nothing. 

5%  of  all  liquor 
licenses  until  Re- 
lief Fund  reaches 
$50,000.    Proceeds 
from  sale  of 
unclaimed 
property. 

Monthly  assess- 
ments on  salary 
not  exceeding  2% 
as  may  be 
determined  by 
trustees. 

Delaware. 

No  State-wide 
legislation. 

Florida. 

No  State-wide 
legislation. 

Georgia. 

No  State-wide 
legislation. 

ATLANTA. 

Acts  of  1910 
amending  city 
charter  and 
amendment  of 
1912. 

Local  board. 

Nothing. 

Appropriation  of 
entire  amount. 

Nothing. 

Idaho. 

No  legislation. 

Illinois. 

(CHICAGO). 

Acts  of  1887, 
p.  122,  as 
amended  by 
Acts  of  1913. 
Applies  to  cities 
of  over  50,000. 

Local  board. 

Nothing. 

Proportion  of 
taxes  paid  by 
foreign  insurance 
companies  and  on 
certain  licenses. 

1  %  of  salary; 
fines  on  firemen. 

1914.] 


HOUSE  — No.  2450. 


267 


1 .  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of  an- 
nual salary  at 
time  of  retirement. 

Recognized  at 
any  time  if  in- 
curred in  line  of 
duty. 

After  20  years  of 
service  if  50 
years  of  age. 

In  event  of  death 
in  line  of  duty,  or 
while  in  service 
or  on  retired  list, 

Nothing. 

In  event  of 
temporary  total 
disability  incurred 
in  line  of  duty 

from  any  cause, 
widow  shall  re- 

member to  receive 
amount  equal  to 

ceive  $30  monthly, 
and  each  child  un- 

salary for  1  year, 
provided  salary  is 

der  14  years  of  age, 

not  received  also. 

$6  monthly. 

Members  must 

remain  on  reserve 

list  subject  to  de- 

partment rules. 

In  event  of  death 

of  active  or  re- 

tired fireman, 

$100  for  funeral 

expenses  to  widow 

or  family. 

One-half  of  an- 

Recognized at 

After  20  years  of 

Nothing. 

Nothing. 

nual  salary  at 

any  time  if  in- 

service. 

time  of  retirement 

curred  in  line  of 

paid  to  perma- 

duty. 

nent  fireman  of 

equal  rank. 

One-fourth  to  ^ 
of  annual  salary 

Recognized  at 
any  time  if  in- 

No provision. 

In  event  of  death 
incurred  in  line 

Nothing. 

- 

at  time  of  retire- 

curred in  line  of 

of  duty,  widow  or 

ment. 

duty.    After  25 

dependents  receive 

years  of  continu- 

sum not  exceed- 

ous service  mem- 

ing  $2,000. 

aers  of  veteran 

reserve  may  be 

retired  for  meri- 

torious service. 

One-half  of  an- 

After 20  years  of 

After  20  years  of 

Nothing. 

Nothing. 

[n  event  of  re- 

nual salary  at 

continuous 

continuous 

tirement  after  20 

time  of  retirement 

service.  Recog- 

service, if  60 

years  but  before 

not  exceeding  $50 
monthly  for  retire- 

nized at  any 
;ime  if  incurred 

years  of  age.f 

55  years  of  serv- 
ice member  may 

ment  after  20  years 

n  line  of  duty. 

be  required  to  do 

of  service;  not  ex- 

such duty  in  any 

ceeding  $100  after 

municipal  de- 

35 years  of  serv- 

partment as  his 

ice. 

ahysical  condi- 

tion permits. 

One-half  of  an- 
nual salary  at 
time  of  retirement. 

Recognized  at 
any  time  if  in- 
curred in  line  of 

After  20  years  of 
service,  the  last 
2  continuous. 

[n  event  of  death 
incurred  in  line  of 
duty,  widow  re- 

Nothing. 

- 

duty. 

ceives  $35  month- 

iy;  children  under 

16  years  of  age 

each  receive  $8 

monthly;  de- 

oendent  parents, 

J25  each  monthly. 

268 


COMMISSION  ON  PENSIONS. 


[Apr. 


1.  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation 

Management 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 

Authorities. 

Firemen. 

Indiana. 

Acts  of  1905,  ch. 
129,  as  amended 
by  Acts  of  1913, 

Board  of  6  trus- 
tees, 4  from 
force. 

Nothing 

One-twentieth  to 
Vio  of  mill  on  each 
$1  of  taxable 

1%  to  iy2%  of 

annual  salary. 

ch.  52.    Applies 
to  all  1st  and  2d 

property  in  city. 

class  cities  and 

all  3d,  4th  and 

5th  class  cities 

which  accept 

act. 

Iowa. 

Laws  of  34th  Gen- 

Board of  3 

Nothing. 

Tax  levy  of  not 

1%  of  annual 

eral  Assembly, 

trustees. 

over  J^2  of  1  mill 

salary;  entrance 

ch.  61  and  sub- 

on each  $1  of  tax- 

fee of  $5. 

sequent  amend- 

able property. 

ments.    Manda- 

tory on  cities 

having  a  paid 

department; 

permissive  on 

cities  having  an 

organized  de- 

partment. 

Kansas. 

No  legislation. 

Kentucky 

(LOUISVILLE). 

Acts  of  1912,  ch. 
122.    Mandatory 
on  all  1st  class 
cities. 

3oard  of  trustees 
of  5  city  officials. 

Nothing. 

Tax  levy  of  1 
cent  on  each  $100 
of  taxable  prop- 
erty when  fund 
is  below  $300,000.  • 

Fines,  penalties 
and  rewards. 
Each  member 
may  be  assessed 
$6  monthly. 

Louisiana. 

STo  State-wide 

egislation. 

NEW  ORLEANS 

Acts  of  1912,  act 
$o.  152,  amend- 
ng  Acts  of  1902, 
act  No.  43. 

Board  of  7 
trustees,  presi- 
dent and  secre- 
ary  of  Board  of 

Nothing. 

%  of  license 
ees.    Proceeds 
rom  sale  of 
condemned 

1%  of  salary 
and  annual  dues 
of  $6.    For  first 
year  dues  are  812. 

fire  Commis- 
ioners,  chief  en- 

property. 

Assessment  of  $1 
when  death  bene- 

gineer  and  4 

its  are  to  be  paid. 

nembers  of  force 

rines,  penalties 

below  rank  of 

and  rewards. 

hief  engineer. 

1914.1 


HOUSE  —  No.  2450. 


269 


1.  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Retirement  for 
disability,  $25  to 
$50  monthly. 

Recognized  at 
any  time  if  in- 
curred in  line  of 

After  25  years  of 
service.    If 
member  is  dis- 

In event  of  death 
in  service  or  after 
retirement, 

Nothing. 

No  pension  for 
any  one  over  35 
at  time  of  enter- 

After 25  years  of 
service,  $20  to  $40 

duty. 

charged  after  20 
years  of  service 

widow  receives 
$20  to  $25 

ing  service,  nor 
for  any  one  who 

monthly;  after  20 

for  anything 

monthly,  and 

failed  to  pass 

years  of  service, 

except  criminal 

each  child,  $6 

medical  examina- 

$15 to  $30 

act,  annuities 

monthly. 

tion.    Not 

monthly  (if  not 
for  criminal  act). 

may  be  paid. 

applicable  to 
present  members. 

One-half  of  an- 
nual salary  at 
time  of  retirement. 

Recognized  at 
any  time  if  in- 
curred in  line  of 

After  22  years  of 
service,  the  last 
5  continuous.    , 

In  event  of  death 
of  member  in  city 
department  in 

Nothing. 

- 

duty;  after  5 

line  of  duty, 

years  if  incurred 

widow  receives 

in  any  other 

$20  monthly; 

manner. 

children  under  16 

years,  $6  each 

monthly;  if 
neither,  dependent 

father  or  mother 

receives  $20 

monthly.    In 

towns  such  pen- 

sion to  be  de- 

termined by 

board. 

$30  monthly. 

Recognized  at 
any  time  if  in- 
curred in  line  of 

No  provision. 

In  event  of  death 
incurred  in  line 
of  duty  or  from 

Nothing. 

In  event  of 
temporary  total 
disability  in- 

duty. 

any  cause,  after  15 

curred  in  line  of 

years  of  service 

duty,  member 

the  widow  re- 

receives amount 

ceives  $30;  each 

equal  to  salary 

child  under  14 

for  not  exceeding 

years  of  age,  $6; 
if  unmarried  and 

1  year.    $100 
allowed  to  wife 

childless,  de- 

for funeral 

pendent  father 

expenses. 

and  mother  re- 

ceive $30 

monthly. 

One-half  of  salary 
at  time  of  retire- 
ment in  all  cases 

Recognized  at 
any  time  if  in- 
curred in  line  of 

After  15  years  of 
service  if  60 
years  of  age. 

[n  event  of  death 
incurred  in  line  of 
duty  or  after  1 

Nothing. 

[n  event  of 
temporary  total 
disability  after 

except  for  disa- 
bility incurred  in 

duty.    Recog- 
nized also  if  in- 

year of  service, 
5500.    If  an  active 

service  of  1  year, 
member  receives 

line  of  duty.    If 
incurred  in  line  of 

curred  in  any 
manner  without 

member,  depend- 
ents receive  $180 

fl  per^day. 

duty,  %  of  salary 
at  time  of  retire- 

regard to  age  or 
ength  of  serv- 

annually, and 
each  child  under 

ment. 

ice. 

[4  years  of  age, 

YI2  annually. 

270 


COMMISSION  ON  PENSIONS. 


[Apr. 


1.  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation 

Management. 

FUNDS  CONTRIBUTED  BY  — 

State. 

Local 
Authorities. 

Firemen. 

Maine. 

No  State-wide- 

legislation. 

PORTLAND. 

Special  acts  of 
1909,  ch.  356. 

Local  board. 

Nothing. 

City  appropria- 
tion. 

Left  to  discretion 
of  board. 

Maryland. 

No  State-wide 

legislation. 

BALTIMORE. 

City  charter  of 
1900,  sects.  70 

Board  of  Fire 
Commissioners. 

Nothing. 

Appropriation  of 
entire  amount. 

Nothing. 

and  445. 

Massachusetts. 

Acts  of  1898, 
ch.  267  and  sub- 

Board of  Fire 
Commissioners 

Nothing. 

Entire  amount. 

Nothing. 

sequent  laws. 

in  cities  and 

Applies  to  all 
cities  and  towns 

board  of  select- 
men in  towns. 

except  those 
having  pension 

systems  under 

special  acts. 

Relief  Fund. 
Acts  of  1890, 

Board  of  5 
members. 

$15,000  annu- 
ally, from  tax 

Nothing. 

Nothing. 

ch.  450,  amended 

on  insurance 

by  Acts  of  1902, 

companies,  is 

ch.  108,  and 
Acts  of  1906,  ch. 

appropriated  to 
the  Massachu- 

171.   Applies 
to  whole  State. 

setts  State 
Firemen's 

Association. 

1914.1 


HOUSE  — No.  2450. 


271 


1.  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Not  to  exceed  ^ 
of  annual  salary 
at  time  of  retire- 

Recognized at 
any  time  if  in- 
curred in  line  of 

After  15  years  of 
service  if  60 
years  of  age 

[n  event  of  death 
in  line  of  duty, 
widow  or  other 

Left  to  discre- 
tion of  board. 

[n  event  of 
temporary  total 
disability,  city 

ment. 

duty. 

and  honorably 
discharged. 

dependents  re- 
ceive not  more 

council  may 
appropriate  for 

than  $25 

member  sum  not 

monthly. 

exceeding  H  his 

salary  at  time  of 

incurring  disa- 

bility. 

One-half  of  an- 

Recognized at 

After  20  consecu- 

[n event  of  death 

Nothing. 

nual  salary  at 
time  of  retire- 

any time  if  in- 
curred in  line  of 

tive  years  of 
faithful  service. 

in  line  of  duty, 
widow  and  chil- 

ment. 

duty,  or  for 

dren  receive 

other  reasons,  at 

annually  ^  of 

discretion  of 

annual  salary  at 

board. 

time  of  death. 

In  cities,  perma- 

In cities  any 

In  cities,  after  25 

Nothing. 

Nothing. 

In  towns  firemen 

nent  men  receive 
J^  of  annual  sal- 
ary during  last 
year  of  service; 

permanent  or 
call  man  shall  be 
retired  if  dis- 
abled in  line  of 

years  of  service 
if  60  years  of 
age,  members 
shall  be  retired 

receiving  pen- 
sions remain  on 
reserve  list. 
Firemen  receiv- 

call men  receive 
same  as  perma- 

duty at  any 
time.    After  25 

at  own  request; 
in  towns,  after 

ing  pensions  can- 
not be  paid  for 

nent  men  doing 
like  duty.    In 
towns  member 

years  of  service 
any  permanent 
man  shall  be 

25  years  of  con- 
tinuous service 
if  60  years  of 

any  service  ex- 
cept jury  duty 
by  the  town,  city 

receives  y<i  the 
compensation 

retired  if  unfit 
for  service.    In 

age,  members 
may  be  retired. 

or  county  paying 
the  pension. 

received  at  time 

towns  any 

of  retirement. 

permanent  or 

call  man  shall  be 

retired  if  disabled 

in  line  of  duty. 

Amount  de- 

$1,000 to  be  paid 

termined  by 

by  tne  State  to 

board  for  relief  of 

the  executors  of 

firemen  injured 

any  one,  whether 

in  performance  of 
duty,  or  for  relief 

member  of  asso- 
ciation or  not, 

of  families  of 

who  is  killed 

those  killed. 

while  doing  fire 

duty.    Towns 

accepting  provi- 

sions of  ch.  186  of 

Acts  of  1907  may 

grant  an  annuity 

not  exceeding 

$300  to  widow 

and  children. 

272 


COMMISSION  ON  PENSIONS. 


[Apr. 


1 .  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Firemen. 

Massachusetts 
—  Con. 
BOSTON. 

Acts  of  1880, 
ch.  107  and  sub- 
sequent acts. 

Fire 
Commissioners.  _ 

Nothing. 

Entire  amount. 

Nothing. 

Michigan. 

STo  State-wide 
legislation. 
(See  Additional 
Data.) 

- 

- 

- 

- 

GRAND  RAPIDS. 

Local  acts,  1891, 
No.  309. 

Board  of  Fire 
Commissioners. 

Nothing. 

Annual 
appropriation 

Nothing. 

1914.] 


HOUSE  — No.  2450. 


273 


1.  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

(a)  For  total  dis- 
ability in  line  of 
duty,  %  of  annual 
salary  of  men  of 
same  grade  in 
which  member 

At  any  time  if 
incurred  in  line 
of  duty.    At 
any  time  if 
incapacitated 
physically  or 

After  25  years  of 
service  if  55 
years  of  age, 
retirement  is 
compulsory  if 
member  re- 

In  event  of  death 
in  line  of  duty, 
widow  or  children 
under  16  years  of 
age  may  receive 
annuity  of  not 

Nothing. 

Pensioned  mem- 
bers may  not 
receive  pay  from 
city  for  any 
service  except 
jury  duty. 

served. 

mentally  for          i  quests.    After  15 

over  $300  from 

Pensioned  mem- 

(6) For  service 
retirement  after 

duty.                       i  years  of  con- 
secutive service. 

city;  and  a 
further  sum  of 

bers  may  be 
called  on  for 

25  years,  pension 
is  y%  of  annual 
salary  at  time  of 
retirement, 
(c)  For  service  re- 

board may 
retire.    Board 
may  retire  all 
former  call  sub- 
stitutes who 

$1,000  from  the 
State  by  Acts  of 
1893,  ch.  401. 

temporary  duty. 
City  also  appro- 
priates $3,000 
Annually  for 
relief  of  firemen 

tirement  after  15 
years,  K  of  an- 

served as  such 
for  not  less  than 

injured  in  line  of 
duty. 

nual  salary  if  a 

15  years  and 

permanent  man; 
if  a  call  man,  J^ 

were  honorably 
discharged. 

• 

of  annual  salary 

and  such  further 

sum  as  commis- 

sioner decides. 

(d)  For  former 

call  substitutes 

city  council  and 

mayor  may  grant 

annuity  of  not 

over  $125. 

(e)  For  incapacity 

for  duty  same  as 

(c)  if  he  has 

served  15  years; 

if  less  than  15 

years,  act  does  not 

provide  for 

pension. 

_ 

Public  Laws  of 

1913,  p.  787.     This 

is  a  concurrent 

resolution  pro- 

* 

posing  an  amend- 

ment to  sect.  14 

of  Art.  10  of  the 

Constitution  of 

State  relative  to 

pensioning 

iremen. 

One-half  of  an- 

Recognized at 

After  20  years  of 

In  event  of  death 

Nothing. 

firemen  are 

nual  salary  at 
time  of  retire- 

any time  if            !  service  if  un- 
ncurred  in  line     lable  to  perform 

from  injury  in- 
curred in  line  of 

compelled  to  join 
;he  Firemen's 

ment,  not  to 

of  duty. 

duties. 

duty  within  1 

Fund  Association, 

exceed  $450. 

year  from  date  of 

which  pays  sick, 

njury,  widow  or 
other  dependents 

accident  and 
death  benefits; 

receive  $300  for 

annual  dues,  $12; 

5  years. 

and  $5  death 

assessment  when 

und  is 

nsufficient. 

274 


COMMISSION  ON  PENSIONS. 


[Apr. 


1 .  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Firemen. 

Michigan—  Con. 
DETROIT. 

Local  acts,  1885, 
No.  386. 

Board  of  Fire 
Commissioners. 

Nothing. 

Annual 
appropriation. 

Nothing. 

Minnesota. 

Acts  of  1913,  ch. 
318,  amending 
Acts  of  1907,  ch. 
24.    Applies  to 
cities  of  50,000 
and  over. 

Board  of  trustees. 

State 
appropriation. 

Tax  levy  of  Vio 
mill  on  all  tax- 
able property. 

Nothing. 

ST.  PAUL. 

Acts  of  1892. 

Board  of 
trustees. 

State 
appropriation. 

2%  of  premiums 
collected  in  city 
by  fire  insurance 
companies. 

$3  annually. 
Entrance  fee  of 
$15.    Annuitants 
also  pay  annual 
dues. 

MINNEAPOLIS. 

Acts  of  1892. 

Board  of 

trustees. 

Nothing. 

2%  of  premiums 
collected  in  city  by 
ire  insurance 
companies.    Tax 
levy  of  Vio  of  mill 
on  each  $1  of  taxa- 
ble property. 

$8  per  year. 
Assessment  of  $2 
per  member 
when  necessary 
to  pay  death 
benefits. 

Mississippi. 

No  legislation. 

1914.] 


HOUSE  —  No.  2450. 


275 


1 .  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of  an- 
nual salary  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

After  25  years  of 
service  if  unable 
to  perform 

In  event  of  death 
from  injury  in- 
curred in  line  of 

Nothing. 

Firemen  are 
compelled  to  join 
the  Firemen's 

ment. 

of  duty. 

duties. 

duty  within  1 

Fund  Association, 

year  from  date  of 
injury.^widow  or 

which  pays  sick, 
accident  and 

other  dependents 

death  benefits; 

receive  S300 

annual  dues,  $12; 

annually. 

and  $5  death 

assessment  when 

fund  is 

insufficient. 

To  be  fixed  by 
local  by-laws,  not 

Recognized  at 
any  time  if 

After  20  years  of 
service  if  50 

In  event  of  death 
in  line  of  duty, 

Nothing. 

- 

to  exceed  $40 

incurred  in  line 

years  of  age. 

widow  or  other 

monthly. 

of  duty.     (Must 
make  applica- 

dependents re- 
ceive such  pen- 

tion within  60 

sion  as  local  by- 

days of  leaving 

laws  permit. 

department.) 

Pensioners,  after 
20  years  of  service 
and  50  years  of 
age  or  when  to- 
tally disabled, 

Recognized  at 
any  time  for  any 
injury  or  sick- 
ness except 
result  of  im- 

After 20  years  of 
service  and  50 
years  of  age  if  a 
member  of  the 
association  10 

In  event  of  death 
of  active  member 
or  pensioner, 
widow  receives 
$30  monthly,  and 

Nothing. 

In  event  of 
temporary  sick- 
ness or  disability, 
member  receives 
$15  per  week  for 

receive  $480 

moral  habits. 

years. 

each  child  under 

not  over  12  weeks. 

annually;  pen- 

If members  of 

16,  $5;  total  per 

$100  allowed  for 

sioners  who  are 

department  over 

family  not  to 

funeral  expenses. 

disabled  but 

20  years,  full 

exceed  $40 

Member  dis- 

capable of  light 
manual  or  office 

pension  is 
received. 

monthly.    In 
event  of  death  of 

charged  from  de- 
partment for 

work  receive  from 

widow,  children 

intemperance, 

$180  to  $300 

to  receive  such 

immoral  or  dis- 

annually. 

sum  as  board 

orderly  conduct 

determines,  not 

or  for  refusing  to 

exceeding  $40 

pay  his  debts 

monthly.    In 

shall  forfeit  all 

event  of  death  of 

claims. 

member,  wife  or 

children  or  other 

dependents 

receive  $500.    If 

no  wife  or  child, 

other  heirs 

receive  $1,000. 

If  totally  dis- 
abled or  retired 

Recognized  at 
any  time  if 

After  20  years  of 
service  if  50 

In  event  of  death 
of  member, 

Nothing. 

In  event  of 
temporary  disa- 

because of  age, 
pensioners  re- 

incurred in  line 
of  duty. 

years  of  age. 

widow  or  chil- 
dren under  16 

bility,  member 
receives  $12  a 

ceive  $480.    If 

receive  annuity 

week  for  not  over 

disability  is  only 

of  not  over  $480 

15  weeks. 

partial,  $180  to 

and  a  death  bene- 

$300. 

fit  of  $125.    If  no 

widow  or  chil- 

dren, heirs 

receive  $1,000 

276 


COMMISSION  ON  PENSIONS. 


[Apr. 


1.  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Firemen. 

Missouri. 

No  State-wide 

legislation. 

ST.  Louis. 

R.  S.  of  1899, 

Board  of 

Nothing. 

1%  of  all 

$6  annually; 

sect.  6-111. 

trustees. 

license  fees; 
proceeds  from 

fines,  penalties 
and  rewards. 

t 

sale  of  con- 

Assessment of  $1 

demned  ma- 

when death 

terials. 

benefits  are  to  be 

paid. 

Nebraska. 

Comp.  Stats,  of 
1911,  sects.  3555- 

Board  of 
trustees. 

Nothing. 

Balance  of  any 
appropriations 

Nothing. 

3559.    Applies 

not  used;  license 

to  all  1st  class 

tax  of  not  over 

cities  of  less  than 

$5  annually  on 

25,000,  and  all 

each  insurance 

2d  class  cities 

company  doing 

having  organized 

business  in  the 

volunteer 

city. 

companies. 

Comp.  Stats,  of 

Board  of 

Nothing. 

Balance  of  any 

Nothing. 

1911,  sects.  3561- 

trustees. 

appropriations 

3562.     Applies  to 

not  used;  license 

all  metropolitan 

tax  of  not  over 

and  1st  class 

85  annually  on 

cities. 

each  insurance 

company  doing 

business  in  the 

city. 

Nevada. 

No  legislation. 

New  Hampshire. 

Acts  of  1907,  ch. 

Local  authori- 

Nothing. 

Entire  amount. 

Nothing. 

85,  sect.  1  and 
subsequent 

ties. 

amendments. 

New  Jersey. 

Public  Laws, 
1902,  ch.  270 
and  subsequent 
amendments. 

Board  of  5 
trustees,  4  from 
force. 

Nothing. 

Appropriation; 
1%  of  premiums 
received  by  for- 
eign insurance 

2%  assessment 
monthly;  fines, 
penalties  and 
rewards. 

Applies  to  all 

companies  doing 

1st  class  cities 

business  in  city; 

accepting  act. 

fines  on  account 
of  chimney  fires; 

minor  theatre 

License  fees;  fees 

from  permits 

granted  by 

board. 

1914. 


HOUSE  —  No.  2450. 


277 


.  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Two-thirds  of 
salary  for  disa- 

Recognized at 
any  time  if 

After  15  years  of 
service  if  60 

In  event  of  death 
incurred  in  line  of 

Nothing. 

bility  incurred  in 
line  of  duty;  if 
incurred  in  any 
other  manner,  3^ 

incurred  in  line 
of  duty;  if  unfit 
for  duty  board 
may  retire  at 

years  of  age. 

duty  or  after  1 
year  of  service, 
dependents  re- 
ceive $500.    In 

of  salary. 

any  time. 

event  of  death  of 

active  member, 

dependents  re- 
ceive $180  annu- 

ally and  each 

child  under  14 

years  of  age,  $72 

annually. 

In  cities,  $3  to  $10 

Recognized  at 

_ 

_                _ 

_ 

_ 

weekly  during 
disability,  not 

any  time  if 
incurred  in  line 

more  than  $200 

of  duty. 

for  any  one 

injury;  in  towns, 

$2  to  $5  weekly 

during  disability, 

not  more  than 

$100  for  any  one 

injury. 

One-half  of  annual 
salary  at  time  of 

Recognized  at 
any  time  if 

After  21  years  of 
service. 

In  event  of  death 
in  line  of  duty, 

- 

If  partially  dis- 
abled, member 

retirement,  not 

incurred  in  line 

widow  or  chil- 

receives amount 

over  §50 

of  duty. 

dren  under  18 

equal  to  salary 

monthly. 

years  of  age 

for  not  over  12 

receive  Yi  of 

months.    This 

annual  salary  at 

act  applies  also 

time  of  death,  not 

to  members  of 

over  $50 

paid  fire  depart- 

monthly. 

ments. 

$500  based  on  25 
years  of  service, 

Recognized  at 
any  time  if 

After  25  years  of 
service  in  dis- 

Nothing. 

Nothing. 

Question  of  ac- 
ceptance to  be 

in  no  case  less  than 

incurred  in  line 

trict. 

submitted  to 

$100. 

of  duty. 

people  at  elec- 

tion in  town;  in 

city  aldermen  or 

council  may 

accept.     No 

pension  to  be 

paid  for  more 

than  1  year  at  a 

time. 

One-half  of  an- 

Recognized at 

After  20  years  of 

In  event  of  death 

Nothing. 

_ 

nual  salary  re- 

any time  if 

service  if  60 

of  member  after 

ceived  at  time  of 

incurred  in  line 

years  of  age 

5  years  of  service 

retirement. 

of  duty.    In- 

or of  member 

capacity  from 

after  retirement, 

any  cause  after 

widow  or  chil- 

20 years  of 

dren  or  depend- 

service. 

ent  parents  re- 

ceive Y<i  of  salary 

at  time  of  death 

or  retirement. 

278 


COMMISSION  ON  PENSIONS. 


[Apr, 


1 .  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 

Authorities. 

Firemen. 

New  Jersey 
—  Con. 

Public  Laws  of 
1905,  ch.  65  and 
subsequent 
amendments. 
Applies  to  all 
municipalities 

Board  of  5 
trustees,  4  from 
force. 

Nothing. 

Appropriation; 
\%  of  premiums 
received  by  for- 
eign insurance 
companies  doing 
business  in  city; 

2%  assessment 
monthly; 
fines,  penalties 
and  rewards. 

other  than  those 

fines  on  account 

of  the  1st  class 

of  chimney  fires; 

having  paid  fire 

minor  theatre 

departments. 

license  fees;  fees 

from  permits 

granted  by 

board. 

JERSEY  CITY. 

Laws  of  1902,  ch. 
270,  amended  by 
Laws  of  1908,  ch. 
142,  and  Laws 

Board  of  5 
trustees,  4  from 
force. 

Nothing. 

1%  of  pre- 
miums collected 
in  city  by  for- 
eign insurance 

1%  of  annual 
salary;  fines, 
penalties  and 
rewards. 

of  1912,  ch.  240. 

companies  doing 

business  in  city; 
minor  theatre 

license  fees;  fines 

on  account  of 

chimney  fires; 

fees  from  permits 

granted  by  fire 

department. 

New  Mexico. 

No  legislation. 

New  York. 

Laws  of  1909,  ch. 

_              _ 

_ 

Entire  amount. 

_ 

29.    Applies  to 

active  volunteer 

firemen  in 

cities,  towns  or 

fire  district. 

NEW  YORK 
CITY. 

Laws  of  1901,  ch. 
466  and  subse- 

Board of  Fire 
Commissioners. 

Nothing. 

45%  of  State 
tax  of  2%  of 

Fines,  penalties 
and  rewards. 

quent  amend- 

premiums col- 

ments. 

lected  in  city  by 

foreign  fire  in- 

surance compa- 

nies; 10%  of 

excise  moneys  in 

Manhattan, 

Bronx  and 

Brooklyn,  and 

4M%  ;n  Queens 

and  Richmond; 

all  licenses  for 

explosives  in 

Manhattan, 

Bronx  and 

Brooklyn,  and 

45%  of  such 

licenses  in 

Queens  and 

Richmond;  fines 

for  violation  of 

fire  regulations; 

proceeds  from 

sale  of  con- 

demned mate- 

rials. 

1914.] 


HOUSE  — No.  2450. 


279 


1.  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of  an- 
nual salary  re- 

Recognized at 
any  time  if 

After  25  years  of 
service  if  55 

In  event  of  death 
of  member  after 

Nothing. 

- 

ceived  at  time  of 

incurred  in  line 

years  of  age. 

5  years  of  service 

retirement. 

of  duty. 

or  of  member 

after  retirement, 

widow  or  chil- 

dren or  depend- 

ent parents  re- 

ceive Yi  of  salary 

at  time  of 

death  or  retire- 

ment. 

One-half  of  an- 
nual salary  re- 
ceived at  time  of 
retirement. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty;  after  20 

After  20  years  of 
service  if  60 
years  of  age. 

In  event  of  death 
dependents  re- 
ceive annually  Yi 
of  salary  at  time 

Nothing. 

- 

years  of  service 

of  death. 

if  caused  by 

reason  of  old 

age. 

In  event  of  death 

incurred  in  line 

of  duty,  de- 

pendents receive 

$500. 

One-third  of  pay 
at  time  of  retire- 

Recognized at 
any  time  if 

After  20  years  of 
service  on  re- 

In event  of  death 
in  line  of  duty, 

Nothing. 

- 

ment  if  length  of 

incurred  in  line 

quest  or  at  dis- 

not over  Yi  of 

service  under  10 

of  duty;  in  any 

cretion  of  fire 

pay  at  time  of 

years,  except 
when  disabled  in 

manner,  except 
on  duty,  under 

Commissioner. 

death,  not  ex- 
ceeding $1,000 

line  of  duty;  in 
all  other  cases  Yt 

10  years;  in  any 
manner  after  10 

annually,  to  de- 
pendents; widow 

of  pay  at  time  of 
retirement. 

years. 

may  receive  $600 
if  half  of  pay  be 

less  than  that; 

in  event  of  death 

ay  causes  other 

than  in  line  of 

duty,  or  if  an 

annuitant  die, 

not  over  $300 

annually  to 

dependents. 

280 


COMMISSION  ON  PENSIONS. 


[Apr. 


1.  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Firemen. 

New  York—  Con. 

SYRACUSE. 

Laws  of  1905,  ch. 
683,  as  amended 

Board  of 

trustees. 

Nothing. 

Tax  of  2%  of 
premiums  col- 

1% of  annual 
salary;  fines, 

by  Laws  of  1911, 
ch.  372. 

lected  in  city  by 
foreign  fire  insur- 

penalties and 
rewards. 

ance  companies; 

proceeds  from 

sale  of  con- 

demned ma- 

terial. 

YOXKERS. 

Laws  of  1908, 

Local  board  of 

Nothing.  . 

$5,000  annual 

Fines,  penalties 

ch.  452. 

trustees. 

appropriation. 

and  rewards. 

North  Carolina. 

No  legislation. 

North  Dakota. 

Acts  of  1910,  ch. 

Board  of 

State 

Nothing. 

Nothing. 

123.    Applies  to 

trustees. 

appropriation. 

entire  State. 

Ohio. 

General  Code  of 

Board  of  trustees 

Nothing. 

Tax  levy  of  %0 

Monthly  assess- 

1910, sects.  4600- 

of  6  members, 

mill  on  all  tax- 

ments as  may  be 

4615.    Applies  to 
all  cities  and 
towns  having  a 

5  from  force. 

able  property; 
fees  from  licenses 
under  control  of 

agreed  upon; 
fines,  penalties 
and  rewards. 

fire  department 

fire  department. 

supported  in 

whole  or  in  part 

at  public  ex- 
pense. 

• 

DAYTON. 

General  Code  of 

Board  of  trustees 

Nothing. 

Tax  levy  of  %0 

Nothing. 

1910,  H.  B.  934. 

of  6,  5  from 

mill  on  all  taxa- 

force. 

ble  property; 

fees  from  licenses 

under  control  of 

fire  department. 

1914.1 


HOUSE  —  No.  2450. 


281 


L  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOH  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of  an- 

Recognized at 

After  20  years  of 

In  event  of  death 

Nothing. 

nual  salary  at 
time  of  retire- 
ment. 

any  time  if 
incurred  in  line 
of  duty. 

service  retire- 
ment is  op- 
tional unless 

in  line  of  duty  or 
after  10  years  of 
service,  or  if  an 

member  is  65 

annuitant  die, 

years  of  age, 
when  it  is  com- 

dependents re- 
ceive $300  and 

pulsory. 

each  child  $60 

, 

annually,  not 

over  $420  to  one 

family. 

Not  less  than  Yz 
of  pay  at  time  of 
retirement  if 

Recognized  at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  if  60 
years  of  age. 

In  event  of  death 
incurred  in  line 
of  duty  or  after 

Nothing. 

- 

after  20  years  of 

of  duty;  in  any 

20  years  of  serv- 

service.   Not       $| 

manner  after  20 

ice,  or  if  an  an- 

over Yi  of  pay  if 
retired  for  disa- 
bility incurred  in 

years  of  service 
if  60  years  of 
age. 

nuitant  die, 
dependents  re- 
ceive not  under 

line  of  duty. 

$300  annually. 

Determined  by 

Recognized  at 

After  20  years  of 

Nothing. 

Nothing. 

local  by-laws,  not 

any  time  if 

service,  includ- 

to exceed  $40 

incurred  in  line 

ing  last  10  pre- 

monthly. 

of  duty. 

ceding  retire- 

ment if  50  years 

of  age. 

Determined  by 
local  by-laws. 

Determined  by 
local  by-laws. 

Determined  by 
iocal  by-laws. 

Determined  by 
local  by-laws. 

Determined 
by  local  by- 

- 

laws. 

$40  monthly. 

Recognized  at 
any  time  if 
incurred  in  line 

After  25  years  of 
service. 

In  event  of  death 
in  line  of  duty, 
widow  while  un- 

Nothing. 

If  pensioner  is 
convicted  of 
felony  or  is  guilty 

of  duty. 

married  receives 

of  habitual 

$25  monthly; 
each  child  under 

drunkenness, 
leading  immoral 

16  years,  $6 

life,  failure  to 

monthly;  if  no 

provide  for 

widow  or  chil- 

family or  removes 

dren,  dependent 

from  U.  S., 

parents  receive 
$25  monthly,  to 

pension  may  be 
revoked  or 

be  paid  to  either 

transferred  to  one 

father  or  mother 

of  his  depend- 

as board  de- 

ents selected  by 

termines.    If 

the  trustees. 

member  dies 

after  5  years  of 

service  from  any 

other  cause  ex- 

cept in  line  of 

duty,  or  self- 

abuse,  widow  and 

children  receive 

same  annuities. 

282 


COMMISSION  ON  PENSIONS. 


[Apr. 


1.  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED  BY  — 

State. 

Local 
Authorities. 

Firemen. 

Ohio  —  Con. 
CLEVELAND. 

General  Code  of 
1910. 

Board  of  trustees 
of  6,  5  from 
force. 

Nothing. 

Not  over  %o 
mill  on  each 
dollar  of  taxable 
property. 

Vs%  of  salary; 
ines,  penalties, 
:ees  and  rewards. 

Oklahoma. 

Laws  of  1913, 
ch.  244.    Applies 
to  all  incorpo- 
rated cities  and 
towns. 

Board  of  trustees 
of  5  members, 
2  from  force. 

Nothing. 

One-half  of  2% 
tax  on  premiums 
collected  in  city 
by  foreign  fire 
insurance  com- 
panies. 

Nothing. 

Oregon. 

No  legislation. 

Pennsylvania. 

Acts  of  1913, 
act  849,  amend- 
ing Acts  of  1901, 
act  14.    Applies 
to  cities  of  2d 
class. 

Determined  by 
city  councils. 

See  additional 
data. 

See  additional 
data. 

See  additional 
data. 

PlTTSBURG. 

Nothing. 

One-half  of  2% 
tax  on  premiums 
collected  in  city 
by  foreign  fire 
insurance  com- 
panies; annual 
appropriation  of 
$30  per  member. 
(See  Additional 
Data.) 

Fines  and  pen- 
alties. 

PHILADELPHIA. 

Acts  of  1874. 

Board  of  control 
of  15  members  of 
the  association. 

Nothing. 

2%  of  annual 
salary  when 
necessary. 

1914.] 


HOUSE  —  No.  2450. 


283 


1.  Firemen  —  Continued. 


PENSIONS  FOR  — 



Rate  of  Pension. 

Disability. 

Age  or  Service. 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Eleven-sixteenths 
of  salary  at  time 

Recognized  at 
any  time. 

After  25  years  of 
service,  last  12  of 

In  event  of  death 
dependents  receive 

Nothing. 

- 

of  retirement 

which  must 

annuities  of  $60 

based  on  30  years 
of  service,  not 

have  been  con- 
tinuous, or  after 

to  $300  according 
to  length  of 

exceeding  $1,200, 

25  years  of  con- 

service of  mem- 

except in  case  of 

tinuous  service. 

ber;  each  child 

chief  and  2 

under  16  years, 

assistants,  with  a 

$36  to  $84 

pension  of  %e  of 

additional. 

salary  for  those 

disabled  after 

, 

less  than  5  years 

of  service. 

One-half  of  an- 
nual salary  at 
time  of  retire- 
ment. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty. 

After  20  years  of 
service  in  some 
fire  department, 
10  of  which  were 

In  event  of  death 
widow  and  chil- 
dren under  16 
years  receive  % 

Nothing. 

In  event  of 
temporary  disa- 
bility, member 
shall  receive  not 

in  Oklahoma 

of  salary  at  time 

less  than  $5 

. 

and  last  2  years 

of  death. 

weekly  after 

consecutive; 

period  of  6 

after  10  years  of 

months,  and 

consecutive 
service  in  one 

hospital  expenses. 
If  member  is  con- 

department and 
50  years  of  age. 

victed  of  felony 
or  becomes  habit- 

ual drunkard  or 

disobedient  to 

rules,  pension 
ceases. 

See  additional 
data. 

See  additional 
data. 

See  additional 
data. 

See  additional 
data. 

See  additional 
data. 

Act  permits  cities 
to  pension  aged 

or  disabled 

firemen  and 

policemen  or 

their  families  in 

event  of  death. 

One-half  of  an- 
nual salary  at 

Recognized  at 
any  time  if 

After  20  years  of 
service. 

[n  event  of  death 
of  active  mem- 

Nothing. 

The  appropria- 
tion of  $30  annu- 

time of  retire- 
ment.   For  disa- 

incurred in  line 
of  duty. 

ber,  SI,  000. 

ally  per  man  by 
the  city  is  made 

bility,  $15  weekly 

as  an  addition  to 

for  1  year.     If 
then  pronounced 
permanently  dis- 

salary to  get 
around  the  pro- 
tiibition  by  the 

abled,  $1,000, 

Constitution 

after  which 

against  any 

membership 

''municipality 

terminates. 

making  an  ap- 

propriation to 

any  firm,  corpora- 

tion or  individ- 

ual." 

For  disability,  J^ 
of  annual  salary 

Recognized  at 
any  time  if 

After  20  years  of 
service. 

[n  event  of  death 
in  line  of  duty, 

Nothing. 

- 

at  time  of  retire- 

incurred in  line 

widow  receives 

ment;  for  service, 

of  duty. 

5240  annually, 

H  of  average 

each  child  under 

annual  salary  for 

16  years,  $72.    If 

a  period  of  2  con- 

no widow,  de- 

tinuous years. 

pendent  parents 

receive  $20  annu- 

ally, amount  in  no 

case  to  exceed  M 

of  annual  salary 

at  death. 

284 


COMMISSION  ON  PENSIONS. 


[Apr. 


1 .  Firemen  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FtTNDS  CONTRIBUTED   BY  —  • 

State. 

Local 

Authorities. 

Firemen. 

Rhode  Island. 

General  Laws 
of  1909,  p.  1350. 

- 

Entire  amount 
($2,500). 

- 

- 

PAWTUCKET. 

Public  Laws  of 
1913,  ch.  1007. 

- 

- 

- 

- 

PROVIDENCE. 

Acts  of  1896, 
ch.  372,  and  Acts 
of  1913,  ch.  977. 

Board  of  Fire 
Commissioners. 

Nothing. 

Appropriation  by 
city  if  necessary. 

1%  of  annual 
salary;  fines,  feea 
and  rewards. 

South  Carolina. 

No  State-wide 
legislation. 

CHARLESTON. 

City  ordinance 
of  1904  and 
amendments. 

Board  of  5 
trustees. 

Nothing. 

V\  o%  of  all  sums 
collected  by 
city  from  fire 
insurance  com- 
panies doing 
business  in  city. 

Fines,  penalties 
and  rewards. 

South  Dakota. 

No  legislation. 

Tennessee. 

Acts  of  1909,  ch. 
408,  as  amended 
by  Acts  of  1911, 
ch.  2  (Chatta- 
nooga). 

Board  of  5 
trustees. 

Nothing. 

Tax  levy  on  all 
privileges  by 
ordinance. 

Fines,  penalties, 
rewards  and  fees. 

Texas. 

Acts  of  1907. 

Local  board. 

Nothing. 

Nothing. 

S12  annually;  en- 
Lrance  fee  of  $10; 
fines,  penalties 
and  rewards. 

Utah. 

Acts  of  1911,  ch. 
146.    Applies  to 
all  cities  and 
towns  having 
equipment  of 
over  $500. 

State  Insurance 
Commissioner 
las  charge. 

Nothing. 

1%  of  all  pre- 
miums collected 
ay  fire  insurance 
companies  in  the 
city. 

Nothing. 

1914.] 


HOUSE  —  No.  2450. 


285 


1.  Firemen  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

_ 

_ 

_ 

_ 

_ 

For  relief  of  fire- 

men or  families 

of  firemen  injured 
or  killed  in  line 

of  duty,  whether 

members  of  asso- 

ciation or  not. 

_                _ 

_             _ 

_             _ 

_               _ 

_          _ 

This  act  author- 

ized the  mayor 

and  city  council  to 

create  a  pension 

fund  for  perma- 

nent members  of 

the  fire  depart- 

ment and  to 

establish  necessary 
rules  and  regula- 

tions. 

One-half  of  an- 
nual salary  at  re- 
tirement if  above 

Recognized  at 
any  time  if 
incurred  in  line 

After  65  years  of 
age. 

Nothing. 

Nothing. 

If  member  is 
guilty  of  im- 
moral conduct  or 

rank  of  assistant 

of  duty. 

habitual  drunken- 

foreman; all 

ness,  pension 

others  receive  a 

. 

ceases. 

sum  not  exceed- 

ing $600. 

One-half  of  an- 

Recognized at 

After  20  years  of 

In  event  of  death 

Nothing. 

nual  salary,  not 
less  than  $120 

any  time  if 
incurred  in  line 

service,  12  being 
consecutive. 

incurred  in  line 
of  duty,  or  after 

annually. 

of  duty. 

20  years  of  serv- 

ice, 12  being  con- 

secutive, from 

any  cause,  near- 

est relatives  re- 

ceive not  less  than 

$50  nor  more 

than  $100. 

For  disability,  % 
of  annual  salary 
at  time  of  retire- 

Recognized after 
20  years  of 
service  if  unfit 

After  20  years  of 
service. 

[n  event  of  death 
in  line  of  duty, 
widow  or  heirs 

Nothing. 

In  event  of 
temporary  disa- 
Dility,  member 

ment;  for  service, 

:or  service. 

receive  $500. 

receives  sum 

%  of  annual  sal- 

equal to  salary 

ary  at  time  of 

for  not  over  6 

retirement. 

months. 

One-third  of  pay 
at  time  of  retire- 
ment. 

Recognized  at 
any  time  if 
incurred  in  line 

After  22  years  of 
service,  last  2 
continuous,  if  60 

[n  event  of  death, 
dependents  re- 
ceive $144  annu- 

Nothing. 

- 

of  duty. 

years  of  age. 

allv  and  each 
child  under  16 

years,  $36. 

Loss  of  both 
hands,  $2,500; 
both  feet,  $2,500; 

Recognized  at 
any  time  if 
incurred  in  line 

No  provision. 

[n  event  of  death 
n  line  of  duty, 
icirs  receive 

Nothing. 

•     - 

both  eyes,  $2,500; 

of  duty. 

$2,500. 

1  hand  and  1  foot, 

$2,500;  1  hand  or 

1  foot,  $1,250.    For 

total  disability  in 

line  of  duty, 

$2,500. 

286 


COMMISSION  ON  PENSIONS. 


[Apr. 


1.  Firemen  —  Concluded. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Firemen. 

Vermont. 

No  legislation. 

Virginia. 

Acts  of  1903, 
ch.  181. 

Local  board. 

Nothing. 

.%  of  all  pre- 
niums  collected 

Nothing. 

>y  fire  insurance 

companies  in  the 

city. 

Washington. 

(SPOKANE.) 

Acts  of  1909. 
Applies  to  all 
cities  and  towns. 

Board  of 
trustees. 

Nothing. 

Tax  levy  of  not 
over  Yi  mill  on 
each  $1  of  taxable 

1  1A%  of  salary; 
anes,  penalties  and 
rewards. 

jroperty  when 

und  is  less  than 

$25,000. 

West  Virginia. 

No  legislation. 

Wisconsin. 

Acts  of  1907,  ch. 
214.    Applies  to 

Board  of  trustees 
of  7  members,  3 

Nothing. 

One-half  of  all 
sums  from  taxa- 

1% of  annual 
salary;  fines,  pen- 

all 2d,  3d  and 

from  force. 

tion  of  fire  insur- 

alties and 

4th  class  cities. 

ance  companies 

rewards. 

doing  business 

in  city. 

Acts  of  1907,  ch. 

Board  of 

Nothing. 

All  sums  collected 

2y2%  of  annual 

87.    Applies  to 

trustees. 

ay  cities  from  fire 

salary. 

all  1st  class 

insurance  com- 

cities. 

panies. 

MILWAUKEE. 

Acts  of  1899. 

Board  of 

Nothing. 

Two-thirds  of  all 

2H%  of  annual 

trustees. 

sums  from  taxa- 
tion of  fire  insur- 

salary; fines,  pen- 
alties and  rewards. 

ance  companies 
doing  business  in 

city. 

Wyoming. 

No  legislation. 

1914.1 


HOUSE  —  No.  2450. 


287 


1.  Firemen  —  Concluded. 


PENSIONS  FOR  — 

P&vm  Gilts  at 

Rate  of  Pension. 

Disability. 

Age  or  Service. 

Death. 

Refunds. 

Additional  Data. 

Determined  by 
local  authorities. 

Determined  by 
ocal  authorities. 

Determined  by 
ocal  authorities. 

Determined  by 
ocal  authorities. 

Nothing. 

- 

For  disability, 
^  of  pay  at  time 
of  retirement;  for 
service,  M  of  pay 
based  on  last 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty. 

\fter  20  years  of 
ervice,  last  2 
continuous,  if  55 
years  of  age. 

n  event  of  death 
n  line  of  duty, 
widow  or  other 
lependents  re- 
ceive Yi  of  salary 
at  time  of  death; 

Nothing. 

n  event  of 
emporary  disa- 
>ility  incurred  in 
ine  of  duty, 
member  receives 
nursing  in  hospi- 

year. 

f  death  results 

a,l  for  not  over 

rom  natural 

6  months.    Pen- 

cause  after  2  years 

ion  revoked  for 

of  service,  $1,000. 

drunkenness, 

disobedience  or 

conviction  for 

felony. 

One-half  of  an- 
nual salary  at 
time  of  retire- 
ment. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty. 

After  22  years  of 
service. 

'n  event  of  death, 
after  10  years  of 
service,  for  any 
cause,  widow  or 

Nothing. 

- 

other  depend- 

ents receive  Vs 

of  annual  salary 
at  time  of  death; 

each  child  under 

16  years,  $6 

monthly. 

One-half  of  an- 
nual salary  at 
time  of  retire- 
ment. 

Recognized  at 
any  time1  if 
incurred  in  line 
of  duty;  after 
10  years  of  serv- 
ice if  incurred  in 

After  22  years  of 
service  board 
may  retire;  if 
superannuated 
at  any  time, 
retirement  is 

[n  event  of  death 
incurred  in  line 
of  duty  or  after 
10  years  of  serv- 
ice, or  if  an  an- 
nuitant die,  de- 

Nothing. 

any  manner. 

compulsory. 

pendents  receive 

$420  to  $720  an- 

nually according 

to  rank  of  mem- 

ber, and  each 

child  under  18 

years  of  age,  $72, 

the  total  amount 

not  to  exceed  J^ 

of  salary  at  time 

of  death. 

One-half  of  an- 
nual salary  at 
time  of  retire- 
ment. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty;  after  10 

After  22  years  of 
service  board 
may  retire;  if 
superannuated 

In  event  of  death 
incurred  in  line 
of  duty  or  after 
10  years  of  serv- 

Nothing. 

" 

years  of  service 
if  incurred  in 

at  any  time, 
retirement  is 

ice,  or  if  an  an- 
nuitant die,  de- 

any manner. 

compulsory. 

pendents  received 

$420  to  $720  an- 

nually according 

to  rank  of  mem- 

ber, and  each 

child  under  18 

years,  $72,  the 

total  amount  not 

to  exceed  H  of 

salary  at  time  of 

» 

death. 

288 


COMMISSION  ON  PENSIONS. 


[Apr. 


.  Police. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

Alabama. 

Acts  of  1911, 
No.  431.    Ap- 

Such manage- 
ment as  city 

Nothing. 

Total  expense  to 
be  met  out  of 

Nothing. 

plies  to  cities  of 

may  adopt. 

any  unexpended 

over  25,000. 

. 

appropriation 

balances. 

Acts  of  1911, 

Board  of  4  com- 

Nothing. 

Total  expense  to 

Nothing. 

No.  254.    Ap- 

missioners (same 

be  met  out  of 

plies  to  cities 

having  charge  of 

any  unexpended 

from  25,000  to 

city  govern- 

appropriation 

50,000. 

ment). 

balances. 

Arizona. 

No  legislation. 

Arkansas. 

No  legislation. 

California. 

Acts  of  1897,  ch. 
57,  amending 

Board  of  3 
trustees  com- 

Nothing. 

5%  to  10%  of 
liquor  licenses; 

$2  monthly  from 
salary;  fines, 

Acts  of  1889,  ch. 
62,  as  further 

posed  of  county, 
city  or  town 

50%  of  dog  license 
money;  25%  to 

penalties  and 
rewards. 

amended  by 

officials. 

50%  of  license 

Acts  of  1891, 

fees  of  pawn- 

chs. 210,  248. 

brokers,  second- 

Applies to  entire 

hand  dealers, 

State. 

junk  dealers  and 

billiard  hall 

keepers;  25%  of 

fines  for  violation 

of  local  ordi- 

nances; proceeds 

. 

of  sale  of  un- 

claimed property; 

all  fines  for  carry- 

ing concealed 

weapons. 

OAKLAND. 

City  charter, 

Board  of  3 

Nothing. 

Annual  appro- 

$2 monthly  from 

1910. 

trustees. 

priation  necessary 

salary. 

to  carry  act  into 

effect. 

Colorado. 

Acts  of  1913,  ch. 
120.    Applies  to 
cities  over 

Board  of  7 
trustees,  2  from 
force. 

Nothing. 

For  1914  and 
each  succeeding 
year  when  fund 

1%  of  annual 
salary;  fines, 
penalties  and 

100,000. 

falls  below 

rewards. 

$300,000,  tax  levy 

of  1  cent  on  each 

$100  of  taxable 

property. 

1914.] 


HOUSE  — No.  2450. 


289 


?.  Police. 


PENSIONS  FOR  — 

Rate  of  Pension. 

Disability. 

Age  or  Service. 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

One-half  of  sal- 
ary at  time  of 
retirement. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty. 

After  25  years  of 
service  if  60 
years  of  age. 

Nothing. 

- 

No  one  eligible 
for  pensions  who 
possesses  "inde- 
pendent means 

of  livelihood." 

Annuitants  to  re- 

main on  reserve 

list  subject  to  de- 

partment rules. 

One-half  of  sal- 
ary at  time  of 
retirement. 

Recognized  at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  if  50 
years  of  age. 

Nothing. 

- 

No  one  eligible 
x»r  pensions  who 
"possesses  inde- 

of duty. 

pendent  means 

of  livelihood." 

Annuitants  to 

•emain  on  reserve 

ist  subject  to  de- 

partment rules. 

One-half  of 
salary  at  time  of 
retirement. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty. 

After  20  years  of 
ervice  if  60 
years  of  age. 

If  killed  in  line 
of  duty,  widow 
and  children 
under  16  years 

Nothing. 

Men  with  service 
records  of  12  years 
or  more  dismissed 
or  disability  in- 

receive Ys  of  sal- 

curred in  line  of 

ary;  if  member 

duty,  within  1 

ies  from  natural 

year  prior  to  pas- 

causes  after  10 

age  of  act,  en- 

years  of  service, 

itled  to  all  bene- 

widow or  depend- 

fits of  act.    If  a 

ents  receive 

member  becomes 

1,000. 

onvicted  of 

elony,  habitual 

Irunkenness  or 

lisobedience  to 

tepartment  rules, 

pension  ceases. 

One-half  of 
annual  salary  at 
time  of  retire- 
ment. 

lecognized  at 
ny  time  if 
ncurred  in  line 
f  duty;  after 
0  years  of  serv- 
ce  in  depart- 
ment if  60  years 

STo  provision. 

F  killed  in  line 
f  duty,  widow, 
hildren  under  16 
r  dependent  par- 
nts  receive  ^4  of 
salary  at  time  of 
eath;  in  event 

Nothing. 

f  a  member  be- 
omes  convicted 
f  felony,  habit- 
mi  drunkenness  or 
e  comes  nonresi- 
ent,  pension 
eases. 

fage. 

f  death  from 

atural  causes 

Fter  10  years  of 

service,  $1,000. 

One-half  of 
annual  salary  at 
time  of  retire- 
ment. 

Recognized  at 
ny  time  if 
ncurred  in  line 
f  duty. 

\fter  60  years  of 
ge.    After  25 
ears  of  service. 

n  event  of  death 
n  line  of  duty, 
widow  receives 
30;  each  child 
nder  16  years,  $6 

Nothing. 

n  event  of  tem- 
porary disability, 
member  receives 
mount  equal  to 
ull  pay,  pro- 

monthly; if 
either,  depend- 

vided  no  salary  is 
received,  for  not 

nt  father  and 

more  than  1  year. 

mother  receive 

$15  each;  if 

either  is  dead  the 

other  receives  $30. 

290 


COMMISSION  ON  PENSIONS. 


[Apr. 


.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

Colorado  —  Con. 
DENVER. 

City  charter, 
1904. 

Board  of  Fire 
and  Police 
Commissioners. 

Nothing. 

All  dog  licenses; 
>0%  of  automo- 
>ile  license 
money;  all  pro- 
eeds  of  un- 
laimed  property; 
all  fines  from  car- 
ying  concealed 
weapons;  50%  of 
ewards  and  fees; 
a  reasonable  ap- 
>ropriation  by 
the  city  council. 

%  of  annual 
alary. 

Connecticut. 

Acts  of  1893,  ch. 
115.    Applies  to 
all  cities  having 
police  depart- 
ment under 
police  commis- 
sion, which  shall 
accept  it. 

3oard  of  Police 
Commissioners. 

Nothing. 

Appropriation  by 
cities;  5%  of 
iquor  licenses; 
proceeds  from 
sale  of  lost 
property. 

?ines,  penalties 
and  rewards. 

BRIDGEPORT. 

Special  acts  of 
1907,  revising 
city  charter. 

Police  Com- 
missioners. 

Nothing. 

Nothing. 

Monthly  assess- 
ments not  ex- 
ceeding 2%  of 
salary. 

NEW  HAVEN. 

Acts  of  1894. 

Board  of  Police 
Commissioners. 

Nothing. 

5%  of  all 
iiquor  licenses 
until  relief  fund 
reaches  $50,000; 
proceeds  from 
sale  of  unclaimed 
property. 

Monthly  assess- 
ment on  salary 
not  exceeding  2%, 
as  may  be  de- 
termined by 
trustees. 

Delaware. 
WILMINGTON. 

No  State-wide 
.egislation. 

Acts  of  1907,  ch. 
185,  and 
amendments. 

Board  of  trustees 
of  police  officials. 

Nothing. 

Not  less  than 
$2,000  annually; 
proceeds  from 
sale  of  unclaimed 
property. 

Fixed  by  local 
authorities  not 
less  than  1%  of 
annual  salary; 
fines,  penalties 
and  rewards. 

Florida. 

No  legislation. 

Georgia. 

No  State-wide 
legislation. 

ATLANTA. 

Laws  of  1910 
amending  city 
charter. 

Mayor  and  gen- 
eral council. 

Nothing. 

Entire  amount. 

Nothing. 

Idaho. 

No  legislation. 

1914: 


HOUSE  — No.  2450. 


291 


?.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of 
average  annual 
salary  at  time  of 
retirement. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty;  after 
20  years  of 
service  if  60 

No  provision. 

If  killed  in  line  of 
duty,  decedent's 
mother  receives 
56  monthly;  de- 
cedent's father, 
$6;  each  child 

- 

Annuitants  must 
remain  on  reserve 
list  subject  to 
department 
rules. 

years  of  age. 

under  14,  $6; 

widow,  until 

marriage,  $30; 

the  whole  not  to 

exceed  M  annual 

salary  at  time  of 

death. 

One-fourth  to  J^ 
of  annual  salary 
at  time  of  retire- 
ment for  patrol- 
men, not  to  exceed 
$500;  for  others 
than  patrolmen, 
K  of  annual 
salary  at  time  of 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty;  after 
20  years  of 
service  if  unfit 
for  service  by 
reason  of  old  age 
or  nature  of 

No  provision. 

"n  event  of  death 
incurred  in  line 
of  duty,  widow  or 
children  under  18 
years  of  age  re- 
ceive not  over 
$300  annually. 

Nothing. 

retirement. 

duties. 

One-half  of 
annual  salary  at 

Recognized  at 
any  time  if 

After  20  years  of 
service. 

Nothing. 

Nothing. 

- 

time  of  retire- 

incurred in  line 

ment. 

of  duty. 

One-fourth  to  M 
of  annual  salary 
at  time  of  retire- 
ment. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty;  after 

$o  provision. 

!n  event  of  death 
in  line  of  duty, 
widow  or  depend- 
ents receive  sum 

Nothing. 

- 

25  years  of  con- 

not exceeding 

tinuous  service, 

$2,000. 

members  of 

veteran  reserve 

may  be  retired 

for  meritorious 

service. 

One-half  of 
annual  salary  at 
time  of  retire- 

Recognized at 
any  time  if 
ncurred  in  line 

After  25  years  of 
ervice. 

Nothing. 

Nothing. 

- 

ment. 

f  duty;  after 

5  years  of 

ervice  from 

ther  causes. 

One-half  of  an- 
nual salary  at 
time  of  retire- 

Recognized after 
0  years  of  con- 
inual  service. 

A.fter  35  years  of 
ontinual  service. 

Nothing. 

Nothing. 

- 

ment,  not  to 

exceed  $100 

monthly. 

292 


COMMISSION  ON  PENSIONS. 


[Apr. 


2.  Police  —  Continued. 


FUNDS  CONTRIBUTED   BY  — 

STATE  AND  CITY. 

Legislation. 

Management. 

State. 

Local 
Authorities. 

Policemen. 

Illinois. 

cts  of  1909, 
mended  by 
cts  of  1913.  t 
pplies  to  cities 
f  9,000  to 
0,000. 

oard  of  3 
ustees,  1  from 
orce. 

othing. 

>%  of  dog  licenses  ; 
%  of  liquor 
censes;  10%  of 
ines  for  violation 
f  city  ordi- 
ances;  10%  of  all 

%  of  annual 
alary,  not  to 
xceed  $12  annu- 
ly;  1%  of  all 
ensions;  all  re- 
ards  and  fees, 

ther  licenses. 

nd  wages  for 

pecial  detail. 

CHICAGO. 

Acts  of  1887 
nd  amendments 
hereto.    Ap- 
lies  to  cities 
ver  50,000. 

Board  of  5 
rustees,  2  from 
orce. 

Nothing. 

5%  of  dog 
censes;  4% 
f  liquor  licenses; 
roceeds  from 
ale  of  unclaimed 
property;  25%  of 
>awnbrokers, 

%  to  iy2%  of 

nnual  salary,  not 
to  exceed  $36; 
[1  rewards  and 
ees,  and  wages 
or  special  detail. 

tc.,  licenses;  3% 

f  all  other  li- 

enses,  not  ex- 

eeding  $50,000; 

ines  for  carrying 

oncealed 

weapons. 

Indiana. 

INDIANAPOLIS. 

Acts  of  1908  as 
amended  by 
Acts  of  1913,  ch. 
128.    Applies  to 
cities  of  1st  and 

Board  of  9 
trustees,  6  from 
the  force. 

Nothing. 

Tax  levy  of  not 
ess  than  %o  nor 
more  than  Mo  of 
mill  on  each  $1  of 
taxable  property. 

%  to  11A%  of 
innual  salary 
jased  on  years  of 
ervice,  not  to 
xceed  $15. 

2d  class  and  to 

all  other  cities 

accepting. 

Iowa. 

Laws  of  34th 
General  As- 
sembly, ch.  51, 
amending  Laws 
of  33d  General 

Board  of  trustees 
of  3  city  officials 

Nothing. 

Tax  levy  of  i/io 
mill  on  each  $1  of 
taxable  property. 

1%  of  salary; 
membership  fee 
of  $5;  fines, 
penalties  and 
rewards. 

Assembly,  ch. 

62.    Applies  to 

entire  State. 

Kansas. 

No  legislation. 

Kentucky. 

LOUISVILLE. 

Acts  of  1912,  ch. 
112.    Applies  to 
all  1st  class 

Board  of  5  city 
officials. 

Nothing. 

Tax  levy  of  1  cent 
on  each  $100  of 
taxable  property. 

Fifty  cents 
monthly;  fines, 
penalties  and 

cities. 

rewards. 

1914.] 


HOUSE  — No.  2450. 


293 


.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of 
annual  salary  at 

Recognized  at 
any  time  if 

After  20  years  of 
service  if  50 

[n  event  of  death 
in  line  of  duty 

Nothing. 

If  member  is 
convicted  of 

time  of  retire- 

incurred in  line 

years  of  age. 

or  from  natural 

elony,  habitual 

ment,  not  to 

of  duty. 

causes  after  10 

drunkenness  or 

exceed  $600. 

years  of  service, 

disobedience  to 

widow  or  other 

department  rules 

dependents  re- 
ceive Yz  of  annual 

or  becomes  non- 
resident, pension 

salary,  not  to 

ceases. 

exceed  $600 

annually. 

One-half  of  an- 
nual salary  at 

Recognized  at 
any  time  if 

After  20  years  of 
service  in  either 

[n  event  of  death 
in  line  of  duty 

Nothing. 

[f  member  is 
convicted  of 

time  of  retire- 

incurred in  line 

aolice  or  fire 

or  from  natural 

felony,  habitual 

ment,  not  less 

of  duty;  in- 

departments. 

causes  after  10 

drunkenness  or 

than  $600  nor 

sanity  recog- 

years of  service, 

disobedience  to 

more  than  $900. 

nized  after  10 

widow  or  other 

department  rules 

years  of  service 

dependents  re- 

or becomes  non- 

with pension  of 

ceive  y-z  of  an- 

resident, pension 

Yi  salary. 

nual  salary,  not 

ceases. 

less  than  $600  nor 

more  than  $900. 

Persons  retired 
for  disability 

Recognized  at 
any  time  if 

After  20  years, 
but  before  25 

[n  event  of  death 
in  line  of  duty, 

Nothing. 

[f  member  is 
guilty  of  diso- 

receive  not  less 

incurred  in  line 

years;  after  25 

$150  is  allowed  for 

aedience,  is  con- 

than $120  nor 
more  than  $600 

of  duty. 

years  or  more. 

:uneral  expenses; 
widow  to  receive 

victed  of  crime, 
labitual  drunken- 

per year;  after  20 

530  monthly,  and 

ness  or  becomes 

years  of  service, 

children  under  16 

nonresident,  pen- 

$360; after  25 

years,  $6  each 

sion  ceases. 

vears  of  service, 

monthly;  if 

$600. 

neither,  $20 

monthly  to 

other  dependents. 

One-half  of  an- 
nual salary  at 

Recognized  at 
any  time  if 

After  22  years  of 
service,  the  last 

[n  event  of  death 
in  line  of  duty, 

Nothing. 

- 

time  of  retire- 

incurred in  line 

>  continuous,  if 

widow  receives 

ment  if  an  organ- 
ized department; 

of  duty;  for 
ordinary  causes, 

55  years  of  age. 

$20  monthly; 
children  under  16 

such  sum  as 

only  after  5 

years,  $6  each 

board  may  fix  if 

years  of  service. 

monthly;  if 

a  paid  depart- 

neither, depend- 

ment. 

ent  parents,  $20 

monthly. 

$30  monthly  for 
permanent  total 

Recognized  at 
any  time  if 

No  provision. 

In  event  of  death 
in  line  of  duty, 

Nothing. 

[f  temporarily 
disabled,  member 

disability. 

incurred  in  line 

or  for  any  natu- 

to receive  amount 

of  duty. 

ral  cause  after  15 

equal  to  full  pay 

years  of  service, 

:or  not  more 

widow  receives 

than  1  year,  pro- 

$30 monthly; 

vided  salary  is 

children  under  14 

not  received. 

receive  $6  each 

monthly;  if 

neither,  depend- 

ent parents  re- 

ceive $30  month- 

ly; $100  allowed 

for  funeral  ex- 

penses. 

294 


COMMISSION  ON  PENSIONS. 


[Apr. 


.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FtTNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

Louisiana;. 

No  State-wide 

legislation. 

NEW  ORLEANS. 

Act  of  1888, 
No.  63. 

Local  police 
board  of  6  mem- 

Nothing. 

Proceeds  from 
sale  of  unclaimed 

Fines,  penalties 
and  rewards. 

bers  and  the 

property  and 

mayor. 

from  suits  for 

penalties. 

%  of  1%  of 

annual  appropria- 

tion for  main- 

tenance of  police 

force;  1%  of 

annual  appropri- 
tion  for  policing 

wharves  and 

Landings. 

Maine. 

No  legislation. 

PORTLAND. 

Acts  of  1906. 

Local  board. 

Nothing. 

Annual  appro- 

Nothing. 

priation  by  city. 

Maryland. 

No  State-wide 

legislation. 

BALTIMORE. 

Acts  of  1886,  ch. 

Board  of  Police 

Nothing. 

Proceeds  from 

2%  of  annual 

459  and  amend- 

Commissioners. 

sale  of  unclaimed 

salary;  fines, 

ments. 

property;  appro- 
priations from 

penalties  and 
rewards. 

liquor  licenses, 

other  minor  license 

fees,  unexpended 

police  appropria- 

tions, appropria- 
tion by  city 

council  to  meet 

any  deficiency. 

Massachusetts. 
CITIES    OVER 

R.  L.  of  1902, 
ch.  108,  sects. 

Board  composed 
of  mayor  and 

Nothing. 

Entire  amount. 

Nothing. 

75,000. 

29-30,  with 

aldermen. 

amendments. 

(Acts  of  1892, 

ch.  378.)    Ap- 

plies to  cities 

over  75,000, 

except  Boston. 

Acts  of  1902, 

_ 

^ 

_ 

_ 

ch.  437.    Ap- 

plies to  cities 

except  Boston. 

Acts  of  1912, 

_ 

ch.  447. 

1914.1 


HOUSE  — No.  2450. 


295 


2.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Not  over  $150 

Recognized  after 

Nothing. 

In  event  of  death 

Nothing. 

annually. 

20  years  of 

in  line  of  duty 

service  if  super- 

or after  20  years 

annuated;  at 

of  service  from 

any  time  if 

natural  causes, 

incurred  in  line 

not  over  $150  to 

of  duty. 

widow  and  chil- 

dren under  16 

< 

years. 

One-half  of  an- 
nual salary  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  if  65 
years  of  age. 

Nothing. 

Nothing. 

- 

ment. 

of  duty. 

One-half  of  an- 
nual salary  at 
time  of  retire- 
ment. 

Recognized  at 
any  time  if  in- 
curred in  line  of 
duty. 

After  16  years  of 
service. 

"n  event  of  death 
n  line  of  duty, 
>oard  to  make 
reasonable  provi- 
sion for  widow 

Nothing. 

If  member  is 
found  guilty  of 
leading  improper 
or  immoral  life, 
board  may  sus- 

and children 

pend  or  revoke 

under  18  years. 

pensions;  annu- 

itants to  remain 

on  reserve  list 

subject  to  de- 

partment rules. 

Annuities  paid 
shall  at  all  times 

be  based  on  cur- 

rent salaries  of 

active  members. 

One-half  of  an- 
nual salary  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

No  provision. 

Nothing. 

Nothing. 

Act  to  take  effect 
upon  acceptance 
by  city  council. 

ment. 

of  duty;  after  20 

years  of  con- 

tinuous service 

if,  in  judgment 

of  board,  dis- 

abled for  useful 

service. 

_ 

_ 

_              _ 

n  event  of  death 

_          _ 

Act  to  take  effect 

ncurred  in  line  of 

upon  acceptance 

duty,  widow  or 

by  city  council. 

children  under 

6  years  receive 

not  over  $400. 

One-half  of  an- 

Recognized in 

_              _ 

_ 

_ 

Act  to  take  effect 

nual  average 
salary  for  2  years 
immediately 
preceding  retire- 

case of  civil  war 
veterans  in  serv- 
ce  of  city  or 
;own  in  any 

upon  acceptance 
by  city  council  or 
majority  of 
voters  of  town. 

ment. 

capacity  for  10 

years  immedi- 

ately preceding 

retirement. 

296 


COMMISSION  ON  PENSIONS. 


[Apr. 


2.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

Massachusetts 
—  Con. 

Acts  of  1913, 
ch.  657. 

Acts  of  1913, 
ch.  681. 

- 

- 

- 

- 

ALL  CITIES  AND 
TOWNS. 

R.  L.  of  1902, 
ch.  108,  sect.  31. 
(Acts  of  1901, 
ch.  377.)    Ap- 
plies to  all  cities 
and  towns  not 
having  pension 
systems. 

Board  of  offi- 
cials having  au- 
thority to  make 
appointments  to 
the  police  de- 
partment. 

Nothing. 

Entire  amount. 

Nothing. 

Acts  of  1904, 
ch.327.    Ap- 
plies to  towns. 

Selectmen  of 
towns. 

Nothing. 

Entire  amount. 

Nothing. 

Acts  of  1912, 
ch.  447. 

- 

- 

- 

- 

Acts  of  1913, 
ch.  657. 

- 

- 

- 

- 

Acts  of  1913, 
ch.  681. 

- 

- 

- 

- 

1914.] 


HOUSE  — No.  2450. 


297 


.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

_               _ 

_ 

_ 

_               _ 

_          _ 

No  person  who 

receives  a  pension 

from  any  city, 

town  or  county 

shall  be  paid  for 
any  service  except 

service  as  juror, 
rendered  by  him 

to  said  city,  town 

or  county  after 

date  of  first  pay- 

ment of  pension. 

_ 

_ 

_ 

_ 

_ 

Pension  to  retired 

officer  ceases  dur- 

ing employment 

as  police  officer 

or  police  official 

in  any  city  or 
town  in  State. 

One-half  of 
annual  salary  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

No  provision. 

Nothing. 

Nothing. 

Act  to  take  effect 
upon  acceptance 
by  city  council  or 

ment. 

of  duty. 

by  majority  vote 

of  town. 

One-half  of 
annual  salary  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

After  25  years  of 
continuous 
service  if  60 

Nothing. 

Nothing. 

Act  to  take  effect 
upon  acceptance 
by  %  vote  of 

ment. 

of  duty. 

years  of  age. 

voters  at  town 

meeting;  mem- 

bers to  remain  on 

reserve  force. 

One-half  of 

Recognized  in 

_ 

Act  to  take  effect 

average  annual 
salary  for  2  years 

case  of  civil  war 
veterans  in  serv- 

upon acceptance 
by  city  council  or 

immediately 

ice  of  city  or 

majority  of  voters 

preceding  retire- 

town in  any 

of  town. 

ment. 

capacity  for  10 

years  immedi- 

ately preceding 

retirement. 

_ 

_ 

_ 

_ 

_ 

No  person  who 

receives  a  pension 

from  any  city, 

town  or  county 

shall  be  paid  for 

any  service  except 

service  as  juror, 
rendered  to  said 

city,  town  or 

county  after  date 

of  first  payment 

of  pension. 

_                _ 

_              _ 

_              „ 

_                _ 

_           _ 

Pension  to  retired 

officer  ceases  dur- 

ing employment 

as  police  officer 
or  police  official 

in  any  city  or 

town  in  State. 

298 


COMMISSION  ON  PENSIONS. 


[Apr. 


2.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation.- 

Management. 

FUNDS  CONTRIBUTED  BY  — 

State. 

Local 
Authorities. 

Policemen. 

Massachusetts 
—  Con. 
BOSTON. 

Acts  of  1878, 
ch.  244,  and 
subsequent 
amendments. 

Police  Commis- 
sioner and 
mayor. 

Nothing. 

Entire  amount. 

Nothing. 

Acts  of  1912, 
ch.  447. 

- 

- 

- 

- 

Acts  of  1913, 
ch.  657. 

- 

- 

- 

- 

Acts  of  1913, 

ch.  681. 

- 

- 

- 

- 

METROPOLITAN 
PARK  POLICE. 

Acts  of  1909,  ch. 
453,  amended  by 
Acts  of  1913,  ch. 
545. 

Metropolitan 
Park  Commis- 
sion. 

Entire  amount. 

Nothing. 

Nothing. 

DISTRICT 
POLICE. 

Acts  of  1911, 
ch.  675. 

Approval  of 
Grovernor  or 
Governor  and 
Council  is 
necessary. 

Entire  amount. 

Nothing. 

Nothing. 

1914.] 


HOUSE  — No.  2450. 


299 


?.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of  an- 
nual salary  at 
time  of  retirement 
in  all  cases  except 
for  disability  in- 
curred after  15 

Recognized  at 
any  time  if  in- 
curred in  line  of 
duty;  after  15 
year,?  and  less 
than  20  years  of 

After  65  years  of 
age,  retirement 
compulsory,  ex- 
cept to  civil  war 
veterans.    Civil 
war  veterans  60 

In  event  of  death 
in  line  of  duty, 
$300  annually  to 
widow  or  children 
under  16  years  of 
age. 

Nothing. 

Retirement  to  be 
in  all  cases  by  the 
police  commis- 
sioner, with  ap- 
proval of  mayor. 

years  and  less 

service;  after  20 

years  of  age, 

than  20  years  of 
service,  in  which 

years  of  service. 

without  regard 
to  length  of 

case  the  pension 

service,  or  after 

is  %  of  annual 

20  years  of  serv- 

salary at  time  of 

ice,  without  re- 

retirement. 

gard  to  age,  shall 

be  retired  a.t  re- 

quest.   After  25 

years  of  service 

and  60  years  of 

age  any  member 

shall  be  retired 

at  request. 

One-half  of 
average  annual 
salary  for  2  years 
immediately 
preceding  retire- 

Recognized in 
case  of  civil  war 
veterans  in 
service  of  city  or 
town  in  any 

Act  to  take  effect 
upon  acceptance 
by  city  council 
or  majority  of 
voters  of  town. 

ment. 

capacity  for  10 

years  immedi- 

ately preceding 

retirement. 

_ 

_ 

_              _ 

_               _ 

_           _ 

No  person  who 

receives  a  pension 

from  any  city, 

town  or  county 
shall  be  paid  for 

any  service  ex- 

cept service  as 

juror,  rendered 

by  him  to  said 

city,  town  or 

county  after  date 

of  first  payment 

of  pension. 

_ 

_              _ 

_              _ 

_ 

_           _ 

Pension  to  retired 

officer  ceases  dur- 

ing employment 

as  police  officer  or 

police  official  in 

any  city  or  town 

in  State. 

One-half  of 
annual  salary  at 
time  of  retire- 

Recognized at 
any  time  if 
ncurred  in  line 

Nothing. 

[n  event  of  death 
in  line  of  duty, 
widow  or  children 

Nothing. 

Annuitant  to 
remain  on  reserve 
list. 

ment. 

of  duty;  after 

under  16  years 

20  years  of  con- 

receive not  over 

tinuous  service. 

$600  at  discretion 

of  board. 

One-half  of 

Recognized, 

_ 

_ 

_ 

annual  salary  at 
time  of  death. 

upon  approval 
of  Governor  and 

Council,  at  any 

;ime  if  incurred 

n  line  of  duty  ; 

after  20  years  of 

service  if  inca- 

pacitated, upon 

approval  of  Gov- 

ernor. 

300 


COMMISSION  ON  PENSIONS. 


[Apr. 


2.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

Michigan. 

No  State-wide 
egislation. 

DETROIT. 

Acts  of  1893. 

!x»cal  authori- 
ties. 

Nothing. 

Dog  licenses  and 
appropriation  of 
balance  neces- 
sary; proceeds 
Tom  sale  of  un- 
claimed property; 
:ees  for  capture 
of  dogs;  un- 
claimed moneys. 

[%  of  salary; 
ines,  penalties 
and  rewards. 

Minnesota. 

Acts  of  1913,  ch. 
290,  amending 
Acts  of  1903, 
ch.  159. 

belief  associa- 
tion. 

Nothing. 

One-seventh  of  1 
mill  on  each  $1  of 
taxable  property. 

Nothing. 

MINNEAPOLIS. 

Acts  of  1903,  ch. 
159,  with  amend- 
ments.   Applies 
to  cities  of  over 
50,000. 

Board  of  5  di- 
rectors. 

Nothing. 

One-seventh  of  1 
mill  on  each  $1  of 
taxable  property. 

$2  annually. 

ST.  PAUL. 

Acts  of  1903,  ch. 
159,  with  amend- 
ments.   Applies 
to  cities  of  over 
50,000. 

Board  of  5  di- 
rectors. 

Nothing. 

One-tenth  of  1 
mill  on  each  $100 
of  taxable  prop- 
erty. 

$5  membership 
fee;  $2  annually. 

Mississippi. 

No  legislation. 

Missouri. 

No  legislation. 

Montana. 

No  legislation. 

Nebraska. 

R.  L.  1913, 
Art.  6,  sects. 
3991-3999.    Ap- 
plies to  all  met- 
ropolitan cities. 

Local  boards. 

Nothing. 

Proceeds  from 
sale  of  unclaimed 
property;  for- 
feited bail;  any 
heretofore  exist- 
ing police  funds. 

Not  more  than  $1 
monthly;  fines, 
penalties  and 
rewards. 

OMAHA. 

Acts  of  1909. 

Local  board. 

Nothing. 

Unexpended  po- 
lice salary  ap- 
propriation; for- 
feited bail;  pro- 
ceeds from  sale  of 
unclaimed  prop- 
erty. 

Not  over  $1 
monthly;  fines, 
penalties,  fees 
and  rewards. 

Nevada. 

No  legislation. 

1914.] 


HOUSE  — No.  2450. 


301 


.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of  an- 
nual salary  at 

Recognized  at 
any  time  if  in- 

After 25  years  of 
active  service. 

Nothing. 

Nothing. 

. 

time  of  retire- 

curred in  line  of 

ment. 

duty. 

Fixed  by  local 
by-laws,  not 
exceeding  $40 
monthly. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty. 

After  20  years  of 
service  if  50 
years  of  age. 

Nothing. 

Nothing. 

[f  member  is 
jonvicted  of 
:elony,  habitual 
drunkenness  or 

disobedience  to 

department  rules 

or  becomes  non- 

resident, pension 
ceases. 

$30  monthly  for 
retirement  for 
disability;  $40 
monthly  for  serv- 

Recognized at 
any  time  if 
incurred  in  line 
of  duty. 

After  20  years  of 
service  if  55 
years  of  age. 

Nothing. 

Nothing. 

Pension  ceases  if 
pensioner  be- 
comes nonresi- 
dent or  impris- 

ice retirement. 

oned  for  misde- 

meanor or  felony. 

$30  monthly  for 
retirement  for 

Recognized  at 
any  time  if  in- 

After 20  years  of 
service  if  50 

$100  death  bene- 
fit. 

Nothing. 

$100  benefit  on 
death  of  wife  if  a 

disability;  $40 

curred  in  line  of 

years  of  age. 

member  6 

monthly  for 

duty. 

months. 

service  retire- 

ment. 

$50  monthly. 

Recognized  at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  if  50 
years  of  age. 

In  event  of  death 
at  any  time  in 
line  of  duty, 

Nothing. 

If  member  is 
convicted  of 
drunkenness  or 

of  duty. 

widow  and  minor 

crime,  pension 

children  receive 

ceases. 

not  less  than  $20 

monthly. 

$50  monthly. 

Recognized  at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  if  50 
years  of  age. 

In  event  of  death, 
$500;  in  event  of 
death  of  wife  of 

Nothing. 

For  disability  out 
of  line  of  duty, 
members  receive 

of  duty. 

active  member, 

not  over  $2  daily, 

$100. 

after  first  5  days, 

for  not  over  6 

months;  there- 

after during  dis- 

ability, §1  daily. 

Allowance  for 

funeral  expenses 

is  also  made.    If 

member  is  con- 

victed of  felony 

or-habitual 

drunkenness, 

pension  ceases. 

302 


COMMISSION  ON  PENSIONS. 


[Apr. 


2.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

New  Hampshire. 

Acts  of  1907,  ch. 
85,  and  amend- 
ments thereto. 
Applies  to 
entire  State. 

Local  authori- 
ties. 

Nothing. 

Entire  amount. 

Nothing. 

New  Jersey. 

Acts  of  1912,  ch. 
373,  amending 
Laws  of  1911,  ch. 
72.    Applies  to 
all  cities  other 
than  1st  class. 

Commission  of  4 
members,  2  from 
force. 

Nothing. 

Such  tax  levy  as 
is  necessary  to 
meet  deficit. 

1%  of  annual 
salary;  fines, 
penalties  and 
rewards. 

Acts  of  1908,  ch. 
74. 

- 

- 

- 

- 

Acts  of  1910,  ch. 
48,  amending 
Acts  of  1895,  ch. 
91.    Applies  to 
park  police. 

County  Board  of 
Park  Commis- 
sioners. 

Nothing. 

Nothing. 

1%  to  3%  of 
salary  based  on 
years  of  service; 
fines,  penalties 
and  rewards. 

Acts  of  1885,  ch. 
148,  and  amend- 
ments.   Applies 
to  all  cities. 

- 

- 

- 

- 

Acts  of  1885,  ch. 
250,  and  amend- 
ments.   Applies 
to  all  cities 
accepting  pro- 
visions. 

Board  of  Police 
Commissioners 
of  city. 

Nothing. 

Proceeds  from 
sale  of  unclaimed 
property. 

At  least  1%  of 
salary;  fines, 
penalties  and 
rewards. 

ELIZABETH. 

Acts  of  1907. 

Board  of  Police 
Commissioners. 

Nothing. 

Tax  equal  to  4% 
of  police  depart- 
ment pay  roll. 

1%  of  salary. 

NEWARK. 

Acts  of  1902. 

Board  of  Police 
Commissioners. 

Nothing. 

Proceeds  from 
sale  of  unclaimed 
property. 

1%  of  salary; 
fines,  penalties 
and  rewards. 

New  Mexico. 

No  legislation. 

New  York. 

Acts  of  1885,  ch. 
486,  and  amend- 
ments.   Applies 
to  cities  of  over 
1,000,000. 

Board  of  trustees 
of  police  officials. 

Nothing. 

$12  annually; 
fines,  penalties 
and  rewards. 

1914.] 


HOUSE  —  No.  2450. 


303 


2.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

$500  annually, 
based  on  25 
years  of  service. 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty. 

After  25  years  of 
service  in  dis- 
trict. 

Nothing. 

Nothing. 

Question  of  ac- 
ceptance to  be 
submitted  to 
people  at  election 

in  town;  in  city, 

aldermen  or 

council  may  ac- 

cept.   No  pension 

to  be  paid  for 

more  than  1  year 

at  a  time. 

One-half  of 
salary  at  time 

Recognized  at 
any  time  if 

After  20  years  of 
service  if  60 

In  event  of  death 
incurred  in  line 

Nothing. 

- 

of  retirement. 

incurred  in  line 

years  of  age; 

of  duty,  widow 

of  duty. 

after  25  years 
of  service  if  55 

or  children  under 
16  years  receive 

years  of  age. 

Yi  of  annual  sal- 

ary at  time  of 

death. 

To  be  fixed  by 
local  by-laws. 

To  be  fixed  by 
local  by-laws. 

After  20  years  of 
service  if  65 
years  of  age. 

To  be  fixed  by 
local  authorities. 

To  be  fixed  by 
local  authori- 
ties. 

This  is  an  em- 
powering act 
subject  to  refer- 
endum.   Details 

of  act  to  be  fixed 

by  local  by-laws. 

One-half  of  sal- 
ary received  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  if  60 
years  of  age. 

In  event  of  death 
incurred  in  line  of 
duty,  widow  or 

Nothing. 

-               - 

ment. 

of  duty. 

children  under 

14  years  receive 

Vz  of  annual  sal- 

ary at  time  of 

death. 

_               _ 

Recognized  at 

After  20  years  of 

_               _ 

_          _ 

This  is  an  em- 

any time  if 

service  if  60 

powering  act 

incurred  in  line 
of  duty. 

years  of  age. 

leaving  other  pro- 
visions to  local 

authorities. 

One-half  of  sal- 
ary received  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  if  60 
years  of  age. 

In  event  of  death 
incurred  in  line  of 
duty,  widow  and 

Nothing. 

- 

ment. 

of  duty. 

children  receive 

Yi  of  annual  sal- 

ary at  time  of 

death. 

One-half  of  sal- 

Recognized at 

After  20  years  of 

Nothing. 

Nothing. 

_               _ 

ary  at  time  of 

any  time  if 

service  if  60 

retirement. 

incurred  in  line 

years  of  age; 

of  duty. 

after  25  years  of 

service  if  55 

years  of  age. 

One-half  of  sal- 
ary at  time  of 
retirement. 

Recognized  at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  if  60 
years  of  age. 

In  the  event  of 
death  in  line  of 
duty,  M  salary  at 

Nothing. 

—               — 

of  duty. 

time  of  death  to 

widow  or  de- 

pendents. 

In  event  of  death, 

All  other  pro- 

beneficiary desig- 

visions to  be  left  to 

nated  receives 

.ocal  authorities. 

81,200;  if  none, 

widow  or  legal 

representative. 

304 


COMMISSION  ON  PENSIONS. 


[Apr. 


8.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

New  York—  Con. 

NEW  YORK 
CITY. 

Acts  of  1857, 
ch.  569, 
and  subsequent 

Police  Commis- 
sioner. 

Nothing. 

Certain  excise 
moneys;  proceeds 
of  sale  of  un- 

Not over  2%  of 
salary;  fines, 
penalties  and 

acts. 

claimed  property; 
certain  license 

rewards. 

Fees  for  permits 
issued  by  police 

department  ; 

appropriation  of 

balance  necessary. 

ROCHESTER. 

Acts  of  1907, 
ch.  755. 

Commission  of 
Public  Safety. 

Nothing. 

Annual  appro- 
priation of 
83,000;  iyz%  of 
liquor  license; 

Not  less  than  2% 
of  annual  salary; 
fines,  penalties 
and  rewards. 

proceeds  from 

sale  of  unclaimed 

property;  for- 
feited bail  in 

police  court; 

fines  for  carrying 

dangerous 

weapons;  certain 

other  minor 

license  fees. 

North  Carolina. 

No  legislation. 

North  Dakota. 

No  legislation. 

Ohio. 

General  Code  of 
1910,  sects.  4616- 

Board  of  6 
trustees,  5  from 

Nothing. 

Tax  levy  of  %o  of 
1  mill  on  each 

Monthly  assess- 
ments at  dis- 

4631.   Applies 
to  all  cities  and 

police  force. 

$1  of  taxable 
property. 

cretion  of  local 
boards. 

towns  having 

departments 
supported  in 

whole  or  in  part 

at  public  ex- 
pense. 

General  Code  of 
1910,  sects.  4632- 

Board  of  6 
trustees,  5  from 

Nothing. 

Tax  levy  of  Mso  of 
1  mill  on  each 

Monthly  assess- 
ments at  dis- 

4647.   Applies 
to  all  cities  and 

police  force. 

$1  of  taxable  prop- 
erty. 

cretion  of  local 
boards. 

towns  having 

sanitary  police 

departments 

supported  in 

whole  or  in  part 

at  public  ex- 

pense. 

1914: 


HOUSE  —  No.  2450. 


305 


?.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

If  retired  for 
disability,  Vi  to  Vz 
of  annual  salary 

Recognized  at 
any  time  if 
incurred  in  line 

After  20  years 
of  service  if  55 
years  of  age, 

To  the  dependent 
parents  or 
widow,  or 

- 

Pensions  may  be 
continued  to 
widow,  and 

except  where 

of  duty. 

may  be  retired 

children  under  18 

children  under  18 

member  is  55 

After  10  years 

on  request. 

years  of  age  of 

years  of  age. 

years  of  age  and 
has  served  20 
years  in  which 

but  less  than  25 
years  of  service 
.f  incapacitated. 

After  25  years 
of  service  if  55 
vears  of  age 

member  dying  as 
a  result  of  injury 
received  in  per- 

Pensions are  for 
life  and  can  not 
be  revoked. 

case  pension  is 

After  20  years  of 

must  be  retired. 

formance  of  duty 

Widows  pensions 

not  less  than  % 

service  if  55 

After  60  years  of 

a  sum  not  exceed- 

cease on  re- 

salary.   If  retired 
for  age  or  service 

years  of  age  and 
certified  by 

age  may  be 

retired. 

ing  $600  annually 
is  paid.    If 

marriage. 

not  less  than  ~y% 

police  surgeons 

Veterans  of 

member  dies  after 

of  annual  salary. 

to  be  in- 

Civil War  after 

10  years'  service 

capacitated  must 
be  retired. 

20  years  of 
service  or  after 

or  after  being 
pensioned  widow 

reaching  age  of 

or  children 

60  must  be 

receive  not  over 

retired. 

$300  annually. 

If  retired  after  15 
years  and  less 
than  20  years  of 

Recognized  at 
any  time  if 
incurred  in  line  of 

After  20  years  of 
service. 

[n  event  of  death 
of  member  in 
line  of  duty,  or  of 

Nothing. 

Pensions  may  be 
revoked  by  com- 
mission at  its 

service,  not  less 

duty;  after  15 

an  annuitant 

discretion,  except 

than  1250  nor 

years  of  service 

who  was  retired 

in  case  of  mem- 

more than  $500; 

and  less  than  20 

after  20  years  of 

bers  retired  after 

in  other  cases 
not  less  than  H 
of  annual  salary 

years  of  service 
:or  any  other 
cause. 

service,  widow  or 
dependents  re- 
ceive Y<t  of  sal- 

20 years  of  serv- 
ice or  because  of 
injuries  received 

at  time  of  retire- 

ary at  time  of 

in  line  of  duty. 

ment. 

death  or  retire- 

ment, not  exceed- 

ing $500;  in 

event  of  death 

after  15  years  of 

service,  or  after 

retirement  for  15 

years  of  service, 

widow  or  other 

dependents  re- 

ceive annual 

pension  not  ex- 

ceeding $250. 

Determined  by 

Determined  by 

Determined  by 

Determined  by 

Determined 

local  by-laws. 

local  by-laws. 

local  by-laws. 

local  by-laws. 

by  local  by- 

laws. 

Determined  by 

Determined  by 

Determined  by 

Determined  by 

Determined 

local  by-laws. 

local  by-laws. 

local  by-laws. 

local  by-laws. 

by  local  by- 

laws. 

306 


COMMISSION  ON  PENSIONS. 


[Apr. 


.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

Ohio  —  Con. 

CINCINNATI. 

Acts  of  1892. 

Local  board. 

Nothing. 

Tax  levy  of   %0  of 
1  mill  on  each  $1 
of  taxable  prop- 
erty; proceeds 
from  sale  of  un- 
claimed property. 

$12  annually; 
fines,  penalties 
and  rewards. 

COLUMBUS. 

Acts  of  1903. 

Local  board. 

Nothing. 

Tax  levy  of  not 
over  %o  of  1  mill 
on  each  $1  of  tax- 
able property; 
proceeds  from  sale 
of  unclaimed 
property. 

Nothing. 

SPRINGFIELD. 

Acts  of  1904. 

Local  board. 

Nothing. 

Appropriation 
annually  of  bal- 
ance necessary. 

Fines,  penalties, 
rewards  and  fees. 

Oklahoma. 

No  legislation. 

Oregon. 

Acts  of  1913,  ch. 
287.    Applies  to 
all  cities  of  over 
50,000. 

Board  of  police 
pension  relief, 
composed  of  3 
city  officials. 

Nothing. 

1%  of  liquor 
license  money; 
10%  of  license 
money  of  pawn- 
brokers, second- 
hand and  junk 
dealers;  50%  of 
dog  license  fees; 
fines  for  carrying 
concealed  wea- 
pons; 5%  of  fines 
:or  violation  of 
city  ordinances. 

1H%  of 
annual  salary; 
fines,  penalties 
and  rewards. 

Pennsylvania. 

Acts  of  1893, 
No.  82. 

City  council  or 
committee  of 
officers  of  city. 

Nothing. 

Nothing. 

S^ot  more  than 
3%  of  annual 
salary. 

1914.1 


HOUSE  — No.  2450. 


307 


2.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

$600  annually  for 

Recognized  at 

After  25  years  of 

[n  event  of  death 

Nothing. 

Member  tempora- 

service retirement 
or  disability  in- 
curred in  line  of 

any  time  if 
incurred  in  line 
of  duty;  after 

continuous 
service  if  55 
years  of  age. 

in  line  of  duty  or 
after  15  years  of 
service,  or  if  an 

rily  disabled 
receives  $1.75  per 
diem  for  8 

duty;  $2  monthly 

15  years  of  con- 

annuitant die. 

months  if  disa- 

for each  year  of 

tinuous  service 

widow  receives 

bility  continues. 

service,  not  ex- 

if incurred  in 

$240  annually 

By  returning  to 

ceeding  $540 

any  other 

and  each  child 

duty  1  day, 

annually,  for 

manner. 

under  16  years  of 

member  is  en- 

disability in- 

age, $72.    In 

titled  to  payment 

curred  outside 

event  of  death  of 

for  another  8 

line  of  duty. 

active  member, 

months  and  so 

widow,  if  en- 

continued 

titled  to  annuity, 

indefinitely. 

receives  $100;  if 

Widow,  or  chil- 

widow is  not  en- 

dren of  marriage 

titled  to  an 

subsequent  to 

annuity,  she 

retirement,  not 

receives  a  pay- 

entitled to 

ment  of  $300. 

annuity. 

After  25  years  of 
service,  $480  if 

Recognized  at 
any  time  for 

After  25  years  of 
service. 

[n  event  of  death 
in  line  of  duty  or 

Nothing. 

- 

retired  on  own 

accident  in- 

after 10  years  of 

request;  $600  if 

curred  in  line  of 

service,  or  if  an 

retired  by  chief. 

duty;  for  sick- 

annuitant die, 

After  15  years  of 

ness  incurred  in 

widow  receives 

service,  $360  to 

line  of  duty 

not  over  $300 

$600  for  total 
disability  caused 

after  15  years  of 
service. 

annually,  and 
each  child  under 

by  sickness  in 

16  years  of  age, 

line  of  duty; 

$72. 

$180  to  $360  for 

partial  disability. 

For  total  disa- 

bility by  acci- 

. 

dent  in  line  of 

duty,  $600;  for 

partial  disability, 

$180  to  $360. 

One-half  of 

Recognized  at 

After  20  years  of 

[n  event  of  death 

Nothing. 

_                _ 

annual  salary  at 

any  time  if 

service. 

of  active  member, 

time  of  retire- 

incurred in  line 

$240  annually  to 

ment. 

of  duty. 

widow;  $72  annu- 

ally to  each  child 

under  16  years. 

One-half  of 

Recognized  at 

After  20  years  of 

[n  event  of  death 

Nothing. 

In  event  of  tem- 

annual salary  at 
time  of  retire- 

any time  if 
incurred  in  line 

service  if  50 
years  of  age. 

in  line  of  duty, 
widow  or  other 

porary  disability, 
member  receives 

ment. 

of  duty. 

dependents  re- 

amount equal  to 

ceive  Vs  of  annual 

salary  for  6 

salary  at  time 

months,  and  hos- 

of death. 

pital  expenses. 

Pension  ceases  if 

annuitant  be^ 

comes  nonresi— 
dent. 

One-half  of 

Recognized  at 

Determined  by 

In  event  of  death 

Nothing. 

If  member  is  con- 

annual salary  at 
time  of  retire- 

any time  if 
incurred  in  line 

local  authori- 
ties. 

in  line  of  duty, 
widow  and  de- 

victed of  felony, 
habitual  drunk- 

ment. 

of  duty. 

pendents  receive 

enness  or  disobe- 

not in  excess  of 

dience  to  depart- 

y% of  annual  sal- 

ment rules,  or 

ary  at  time  of 

becomes  nonresi- 

death. 

dent,  pension 
ceases. 

308 


COMMISSION  ON  PENSIONS. 


[Apr. 


2.  Police  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities, 

Policemen. 

Pennsylvania  — 
Con. 

Acts  of  1913, 
No.  849,  amend- 
ing Acts  of  1901, 
No.  14.    Applies 
to  2d  class  cities. 

Local  commis- 
sion. 

Nothing. 

Entire  amount. 

Nothing. 

PHILADELPHIA. 

Acts  of  1891. 

Local  board. 

Nothing. 

Annual  appro- 
priation. 

One  day's  pay 
)er  month;  en- 
trance fee  of  25 
cents;  $10  if  ap- 
plication for  mem- 
>ership  is  not 
made  within  60 
days  of  entering 
service. 

PITTSBURG. 

Acts  of  1893. 

Local  board  of 
directors  of  13 
members. 

Nothing. 

Annual  appro- 
priation of  $50 
per  man.     (See 
Additional 
Data.) 

1%%  of  annual 
salary  when  fund 
s  under  $50,000; 
ines,  penalties, 
rewards  and  fees. 

Rhode  Island. 

No  State-wide 
legislation. 

PROVIDENCE. 

Acts  of  1901,  ch. 
930,  as  amended 
by  Acts  of  1911, 
ch.  734  and 
ch.  976. 

Board  of  Police 
Commissioners. 

Nothing. 

Nothing. 

%  of  annual 
salary;  fines,  pen- 
alties, rewards 
and  fees. 

South  Carolina. 

No  legislation. 

CHARLESTON. 

Citv  ordinance 
of  1902. 

Board  of  3 
trustees. 

Nothing. 

Nothing. 

rines,  penalties 
and  rewards. 

South  Dakota. 

No  legislation. 

Tennessee. 

No  legislation. 

Texas. 

No  legislation. 

Utah. 

No  legislation. 

Vermont. 

No  legislation. 

Virginia. 

No  State-wide 
.egislation. 

RICHMOND. 

Acts  of  1898. 

Local  board  of 
trustees. 

Nothing. 

Nothing. 

12  annually 
rom  salary. 

1914.] 


HOUSE  — No.  2450. 


309 


.  Police  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Determined  by 
local  authorities. 

Determined  by 
local  authorities. 

Determined  by 
ocal  authorities. 

Determined  by 
local  authorities. 

- 

This  act  author- 
izes cities  of  the 

2d  class  to  pro- 

vide for  aged,  re- 

tired, disabled  or 

injured  police  or 

iremen,  or  for 

;heir  families  if 

silled  on  duty. 

2%%  of  average 
annual  salary  for 
10  years  preceding 
retirement 
($3,000  taken  as 
highest  annual 

Recognized  at 
any  time  if 
incurred  in  line 
of  duty;  after  10 
years  of  service 
if  outside  of  line 

After  20  years  of 
service,  if  50 
years  of  age, 
member  may 
retire;  after  20 
years  of  service 

In  event  of  death 
within  60  days 
from  date  of 
injury  received 
in  line  of  duty, 
widow  receives 

Nothing. 

Applicant  must 
lave  paid  in  or 
arranged  to  pay 
at  least  20  years' 
assessments. 

salary),  multi- 

of duty. 

member  may  be 

$240  annually; 

plied  by  years  of 

retired  at  dis- 

children under  14 

service,  not  ex- 

cretion of  police 

years,  $72  each 

ceeding  20  years. 

department  at 

annually,  not  to 

any  age. 

exceed  $600  to  one 

family  annually. 

One-half  of 
annual  salary  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

After  20  years  of 
service  in  the 
city. 

Death  benefit  of 
$1,000. 

Nothing. 

The  appropria- 
tion of  $50  annu- 
illy  per  member 

ment;  for  per- 
manent disability, 

of  duty. 

by  the  city  is 
made  as  an  addi- 

Vz of  annual  sal- 

tion to  salary  to 

ary  for  not  over 

get  around  the 

52  weeks,  then 

prohibition  by 

$1,000,  after  which 

the  Constitution 

membership 
ceases. 

against  any 
municipality 

"making  an  ap- 

propriation to 

any  individual, 

firm  or  corpora- 
tion." 

Determined  by 
Board  of  Police 

Determined  by 
Board  of  Police 

After  30  years  of 
service  in  the 

Determined  by 
Board  of  Police 

- 

- 

Commissioners. 

Commissioners  . 

department  if  60 

Commissioners. 

years  of  age. 

One-half  of 
annual  salary  at 

Recognized  at 
any  time  if 

No  provision. 

Nothing. 

Nothing. 

- 

time  of  retire- 

incurred in  line 

ment. 

of  duty;  if  aged 

and  decrepit,  at 

any  time. 

$360  annually. 

Recognized  in 

No  provision. 

Nothing. 

Nothing. 

any  manner. 

310 


COMMISSION  ON  PENSIONS. 


[Apr. 


2.  Police  —  Concluded. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Policemen. 

Washington. 

Acts  of  1909,  ch. 
39,  as  amended 
by  Acts  of  1911, 
ch.  18.    Applies 
to  all  1st  class 
cities. 

Board  of  trustees 
of  city  officials 
and  3  police 
officers. 

Nothing. 

1%  of  liquor 
licenses;  50%  of 
dog  licenses;  10% 
of  city  ordinance 
fines;  10%  of 
licenses  from 
pool-rooms,  junk 
dealers,  second- 
hand dealers,  etc.; 
fines  for  carry- 
ing concealed 
weapons;  pro- 
ceeds from  sale  of 
unclaimed  prop- 
erty. 

1H%  of  annual 
salary. 

West  Virginia. 

No  legislation. 

Wisconsin. 

Acts  of  1907,  ch. 
671.    Applies  to 
all  2d  and  3d 
class  cities. 

Board  of  7 
trustees,  3  from 
force. 

Nothing. 

All  dog  licenses; 
1%  of  all  other 
licenses;  proceeds 
from  sale  of  un- 
claimed property. 

1%  of  annua 
salary;  fines,  pen- 
alties and  re- 
wards. 

MILWAUKEE. 

Acts  of  1891. 

Local  board  of 
trustees. 

Nothing. 

50%  of  dog 
licenses;  1%  of  all 
other  licenses. 

21A%  of  annual 
salary. 

Wyoming. 

No  legislation. 

1914.1 


HOUSE  —  No.  2450. 


311 


2.  Police  —  Concluded. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of 
annual  salary  at 

Recognized  at 
any  time  if  in- 

After 20  years  of 
service  if  60 

In  event  of  death 
incurred  in  line 

Nothing. 

I  temporarily 
disabled,  member 

time  of  retire- 
ment. 

curred  in  line  of 
duty;  recog- 

years of  age. 

of  duty,  widow, 
or  children  under 

to  receive  full  pay 
and  hospital  ex- 

nized in  any 

16  years  of  age, 

penses  for  not 

manner  at  dis- 

receive %  of  an- 

more than  6 

cretion  of  board  . 

nual  salary  at 

nonths.    If  mem- 

time  of  death  ; 

>er  is  convicted 

From  natural 

of  felony  or  dis- 

causes after  5 

obedience  to  de- 

years  of  service, 

>artment  rules  or 

widow,  or  children 

Becomes  nonresi- 

under 16  years  of 

dent,  pension 

age,  or  depend- 

ceases. 

ents,  receive 

$1,000. 

One-half  of 
annual  salary  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

After  22  years  of 
service. 

In  event  of  death 
in  line  of  duty  or 
from  natural 

Nothing. 

- 

ment. 

of  duty. 

causes  after  10 

years  of  service, 

widow  receives  Ys 

of  salary  at  time 

of  death;  children 

under  16  years 

receive  $72  each 

annually;  if 

neither,  depend- 

ent parents  receive 

widow's  share; 

family  of  de- 

ceased to  receive 

in  no  case  more 

than  y%  of  annual 

salary. 

One  half  of 
annual  salary  at 
time  of  retire- 

Recognized at 
any  time  if 
incurred  in  line 

After  22  years  of 
service. 

In  event  of  death 
in  line  of  duty  or 
from  natural 

Nothing. 

Widow  of  mar- 
riage subsequent 
to  retirement  not 

ment. 

of  duty. 

causes  after  15 

entitled  to  an 

years  of  service, 

annuity. 

or  if  an  annui- 

tant die,  widow 

receives  $420  to 

$900,  according  to 

rank,  and  $72  ad- 

ditional to  each 

child  under  18 

years  of  age;  not 

over  %  of  salary 

at  time  of  death 

to  any  one  family. 

312 


COMMISSION  ON  PENSIONS. 


[Apr. 


?.   Teachers. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS   CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Teachers. 

Alabama. 

None. 

Arizona. 

Session  laws, 
1912. 

State  Board  of 
Education 
controls. 

Entire  amount. 

Nothing. 

Nothing. 

Arkansas. 

None. 

California. 

Acts  of  1913, 
ch.  694. 

State  Board  of 
Education,  which 
constitutes  re- 
tirement fund 
board. 

5%  of  the 
tax  under  the 
inheritance  and 
transfer  tax 
laws.    Appro- 
priations may 
also  be  made 
by  legislature. 

Nothing. 

Nothing. 

Colorado. 

Acts  of  1909, 
ch.  214. 

Local  school  au- 
thorities. 

Nothing. 

Special  tax  levy 
on  school  dis- 
tricts not  to  ex- 
ceed Mo  of  a  mill. 

Nothing. 

Connecticut. 

No  State-wide 
legislation. 

- 

- 

- 

- 

NEWiHAVEN. 

Acts  of  1911, 
Special  act 
amending 
charter,  city  of 
New  Haven. 

New  Haven 
school  board 
controls. 

Nothing. 

Appropriation 
permissive. 

1%  of  salary 
if  teaching 
service  is  less 
than  10  years;  2% 
if  over  10  years, 
not  to  exceed  $32 
per  year.    Salary 
deductions  for 
absences. 

NEWJLONDON. 

Acts  of  1911, 
No.  461. 

New  London 
school  board 
controls. 

Nothing. 

>%  of  liquor 
icense  fees. 
Amount  equal  to 
difference  be- 
tween 3%  of  sal- 
ary list  and  5% 
of  excise  fees. 

1%  of  salary. 

Delaware. 

No  State-wide 
legislation. 

1914.] 


HOUSE  — No.  2450. 


313 


3.   Teachers. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

A  flat  rate  of  $600 
annually  for  all 

No  special  pro- 
vision. 

After  25  years  of 
service  within 

No  provision. 

Applies  to  entire 
State.    Retire- 

annuitants. 

State. 

ments  are  at  dis- 

cretion of  State 

board. 

$500  annually, 
based  on  30  years 

Recognized 
after  15  years  of 

After  30  years  of 
service,  15  of 

- 

- 

Applies  to  the 
entire  State.    No 

of  service. 
Teachers  retiring 
after  15  and  be- 
fore 30  receive 

service  in  State. 

which  must 
tiave  been  in 
State,  including 
the  10  immedi- 

one eligible  who 
has  not  paid  in  or 
made  arrange- 
ments to  pay  in 

a  proportionate 

ately  preceding 

assessments  as  of 

annuity. 

retirement. 

, 

30  years. 

Not  more  than 
$480  annually  for 
25  years  of  serv- 
ice.   Teachers 

Recognized 
after  10  years  of 
service  in  dis- 
trict. 

After  25  years  of 
service,  15  of 
which  must 
have  been  in 

- 

- 

Applies  to  dis- 
tricts of  the  1st 
class  (Denver). 

retiring  after  10 

district.    Men 

years  and  before 

must  be  at  least 

25  because  of  dis- 

60 years  of  age, 

ability  draw  an 
annuity  fixed  at 

and  women  50. 

discretion  of  local 

directors. 

_ 

_ 

_ 

_ 

_ 

A  general  bill  for 

the  pensioning  of 
teachers  through- 

out the  State  was 

passed  by  the 

1913  legislature 

. 

and  vetoed  by 

the  Governor. 

One-half  of 

Recognised 

After  30  years  of 

Amount  con- 

Contribution 

average  annual 
salary  for  last  5 

after  15  years, 
last  10  of  which 

service,  the  last 
20  of  which  must 

;ributed  re- 
turned only  in 

compulsory  on 
new  teachers. 

years  of  service, 

must  have  been 

lave  been  in 

case  of  dis- 

Teachers with  40 

not  less  than 

in  city. 

city. 

missal. 

years  of  service 

$400  nor  more 

antedating  act 

than  $800. 

may  go  on  retired 

Teachers  retiring 

list. 

for  disability 

after  20  but  be- 

fore 30  years  of 

service  receive 

proportionate 

annuity. 

One-half  of 
average  annual 

Recognized 
after  25  years  of 

After  30  years  of 
service,  15  of 

- 

^"o  provision. 

Compulsory  on 
all  new  teachers. 

salary  for  last  5 

service,  15  of 

which  must 

years. 

which  must 

lave  been  in 

have  been  in 

city. 

city. 

314 


COMMISSION  ON  PENSIONS. 


[Apr. 


8.   Teachers  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Teachers. 

Delaware—  Con. 
WILMINGTON. 

Acts  of  1911,  ch. 
208,  amending 
Acts  of  1913, 
ch.  210. 

Board  of  retire- 
ment of  7  mem- 
bers, 3  from 
teaching  force. 

Nothing. 

Not  less  than 
$1,000  yearly 
from  local  board 
of  education.  Not 
less  than  $2,000 
yearly  by  city 
council. 

1%  to  3%  of 
annual  salary, 
not  to  exceed  150. 

Florida. 

None. 

Georgia. 

No  State-wide 
legislation. 

ATLANTA. 

Acts  of  1912, 
amending  city 
charter. 

Local  school 
authorities. 

Nothing. 

Entire  amount. 

Nothing. 

Idaho. 

None. 

Illinois. 

Acts  of  1913. 
Applies  to  cities 
of  10,000  to  100,000 
n  population. 

Local  boards  of 
management  of  3 
to  9  members,  % 
o  be  from  teach- 
ing force. 

Nothing. 

Appropriation 
permissive. 

From  $5  to  $30 
annually  from 
salary,  graded  on 
years  of  service. 

CHICAGO. 

Acts  of  1913, 
H.  B.  882. 
Applies  to  cities 
of  over  100,000 
(Chicago). 

Local  board  of 
management  of 
),  6  from  teach- 
ng  force. 

Nothing. 

[nterest  on 
school  funds, 
raited  by  taxa- 
;ion,  plus  an  ap- 
propriation suffi- 
cient to  make 
city's  contribu- 
tion equal  the 
amount  set  apart 
from  teachers' 
share. 

From  50  cents  to 
$3  per  month  for 
each  month  of 
service,  graded  on 
years  of  service. 

Indiana. 
TERRE  HAUTE. 

Acts  of  1913,  ch. 
77.    Applies  to 
ities  of  55,000 
to  60,000 
Terre  Haute). 

1/ocal  commis- 
sion of  5,  3  from 
caching  force. 

Nothing. 

One-quarter  mill 
ax  on  each  $1  of 
axable  property 
n  city. 

From  $10  to  $25 
annually  from 
salary,  graded  on 
years  of  service. 

Acts  of  1913,  ch. 
34.    Applies  to 
ities  of  20,000 
to  100,000. 

.local  commis- 
ion  of  5,  3  from 
caching  force. 

Nothing. 

)ne-quarter  mill 
.ax  on  each  $1  of 
;axable  property 
n  district. 

From  $10  to  $25 
annually  from 
alary,  graded  on 
years  of  service. 

1914.1 


HOUSE  — No.  2450. 


315 


3.   Teachers  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

$400,  based  on  35 
years  of  service. 

Recognized 
after  20  years  of 

After  30  years  of 
service  and  65 

- 

To  be  fixed  by 
local  by-laws. 

- 

Teachers  retiring 

service,  15  of 

years  of  age. 

for  disability 

which  must 

After  35  years  of 

after  20  years  but 
before  35  years 

have  been  in 
city. 

service,  20  of 
which  have 

receive  propor- 

been in  city. 

tionate  annuity. 

One-half  of 
salary  at  time  of 

Recognized 
after  20  years  of 

After  35  years  of 
continuous 

__               _ 

_          _ 

Annuitants  may 
be  called  on  for 

retirement,  not  to 

service. 

service. 

special  service. 

exceed  $50  per 

month  for  20 

years  of  service, 

or  $100  per  month 

for  35  years. 

$400  annually, 
based  on  25  years 
of  service. 

Recognized 
after  15  years  of 
service  in 

After  25  years  of 
service  "within 
the  meaning  of 

- 

Amount  con- 
tributed re- 
turned if  dis- 

Compulsory on 
new  teachers. 

Teachers  retiring 

district. 

act." 

missed;  Y<L  if 

after  15  years  for 

teacher  re- 

disability and 

signs. 

before  25  receive 

a  proportionate 

annuity. 

$400  annually, 
based  on  25  years 

Recognized  after 
15  years  of 

After  25  years  of 
service,  the  last 

- 

Amount  con- 
tributed re- 

Compulsory on 
new  teachers. 

of  service. 

service,  the  last 

15  of  which  must 

turned  if  dis- 

Provisions are 

Teachers  retiring 
after  15  years  for 

9  of  which  must 
have  been  in 

have  been  in 
city. 

missed;  y<i  if 
teacher  re- 

made to  allow 
teachers  to  make 

disability  and 

city. 

signs. 

payments  for 

before  25  receive 

previous  service. 

a  proportionate 

annuity. 

• 

$600  annually, 

Recognized  after 

After  30  years  of 

Amount  con- 

based on  30  years 
of  service. 

20  years  of 
service,  the  last 

service,  18  of 
which  must 

tributed  re- 
turned if 

Teachers  retiring 

12  of  which  must 

bave  been  in 

teacher  re- 

after 20  years  of 

have  been  in 

the  city. 

signs. 

service  for  disa- 

the city. 

bility  receive 

certain  arbitrary 

amounts  from 

$300  upwards. 

$600  annually, 
based  on  30  years 
of  service. 
Teachers  retiring 
after  20  years  of 

Recognized 
after  20  years  of 
service,  the  last 
12  of  which  must 
have  been  in  the 

After  30  years  of 
service,  18  of 
which  must 
bave  been  in  the 
district. 

Amount  con- 
tributed re- 
turned if 
teacher  re- 
signs. 

service  for  disa- 

district. 

bility  receive  cer- 

tain arbitrary 

amounts  from 

$300  upwards. 

316 


COMMISSION  ON  PENSIONS. 


[Apr. 


3.   Teachers  —  Continued. 


[STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Teachers. 

Indiana  —  Con. 
INDIANAPOLIS. 

Acts  of  1907. 
Applies  to  cities 
of  100,000  and 
over  (Indian- 
apolis). 

Board  of  7 
trustees,  3  from 
teaching  force. 

Nothing. 

One  cent  tax  on 
each  $100  of  taxa- 
ble property  in 
the  city. 

From  1%  to  2% 
of  annual  sala- 
ries, not  to  ex- 
ceed $20,  graded 
on  years  of 
service. 

Iowa. 

No  legislation. 

- 

- 

- 

- 

Kansas. 

Acts  of  1911,  ch. 
280.    Applies  to 
cities  of  the  1st 
class. 

Local  board  of 
education  con- 
trols. 

Nothing. 

Sum  not  less 
than  1H  times 
amount  of  salary 
assessment,  and 
not  less  than  the 
amount  required 
to  meet  pay- 
ments. 

From  1%  to  1H% 
of  annual  salaries, 
graded  on  years 
of  service. 

Kentucky. 

Acts  of  1912,  ch. 
129.    Applies  to 
1st  class  cities. 

Local  board  of 
education  con- 
irols,  5  from 
teaching  force. 

Nothing. 

Nothing. 

From  1%  to  2% 
of  annual  sala- 
ries, not  to  ex- 
ceed $20,  graded 
on  years  of 
service. 

Louisiana. 

Acts  of  1910, 
Act  No.  116. 
Applies  to  Parish 
of  Orleans  (New 
Orleans). 

Board  of  7 
trustees,  3  from 
reaching  force. 

Nothing. 

Nothing. 

From  1%  to  2% 
of  annual  salary, 
graded  on  years 
of  service. 

1914. 


HOUSE  —  No.  2450. 


317 


8.   Teachers  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

$600,  based  on  40 
years  of  service. 
Teachers  retiring 

Recognized  after 
15  years  of  serv- 
ice, all  in  the 

After  25  years  of 
service,  20  of 
which  must 

- 

One-half  of 
amount  con- 
tributed re- 

Compulsory on 
new  teachers. 
Pensioner,  after 

after  15  years  of 

city. 

have  been  in 

turned  in  the 

25  years  of  serv- 

service for  dis- 
ability receive  a 

the  city. 

event  of  re- 
signation, 

ice,  must  have 
paid  or  made 

proportionate 
annuity. 

dismissal  or 
death. 

arrangements  to 
pay  into  said 

Fund  not  less 

than  1/3  of  the 

amount  to  which 

lie  shall  be  en- 

titled as  pensioner. 

Pensions  may  be 

revoked  in  the 

event  of  impris- 

onment for  any 

offence. 

_ 

_ 

_ 

_ 

A  teachers'  pen- 

sion bill  passed 

one  house  in  Gen- 

eral Assembly  in 

1912,  but  was 

killed  in  the 

other. 

$500  annually, 
based  on  30  years 
of  service. 

Recognized  after 
25  years  of  serv- 
ice, 15  of  which 

After  30  years  of 
service,  15  of 
which  must 

- 

Amount  con- 
tributed re- 
turned in  the 

Teachers  may  de- 
cline membership 
by  filing  notice 

Teachers  retiring 
after  25  years  of 

must  have  been 
in  a  1st  class 

have  been  in  a 
1st  class  city. 

event  of  dis- 
missal; y<i  of 

to  that  effect 
within  30  days  of 

service  receive  a 

city. 

the  amount  in 

entering  service. 

proportionate 

event  of  resig- 

annuity. 

nation  or  death. 

$400  annually, 
based  on  40  years 
of  service.    Teach- 

Recognized after 
20  years  of 
service  in  pen- 

After 30  years  of 
service  in  pen- 
sioning city. 

- 

One-half  of  the 
amount  con- 
tributed re- 

Membership 
compulsory  on  all 
teachers  receiving 

ers  retiring  after 

sioning  city. 

turned  in 

$450  or  more  per 

20  years,  but  be- 

event of  resig- 

annum.   Bene- 

fore 40  years  of 

nation,  dis- 

ficiaries must 

service,  receive  a 

missal  or 

have  paid  in  or 

proportionate 

death. 

made  arrange- 

annuity. 

ments  to  pay  in 
assessments  equal 

to  the  annuity 

for  one  year. 

Pensions  may  be 

revoked  in  the 

event  of  impris- 

onment for  any 

offence. 

One-half  of 
average  annual 
salary  for  last  5 

Recognized  after 
10  years  of 
service. 

After  40  years  of 
service. 

- 

One-half  of 
the  amount 
contributed  re- 

Mandatory on  all 
new  teachers. 
Pension  ceases 

years,  in  no  case 

turned  in 

upon  marriage  of 

to  be  less  than 

event  of  dis- 

annuitant.   Ap- 

$300 nor  more 

missal  or 

plicant  must  have 

than  $600. 

death. 

paid  or  made 

Teachers  retiring 

arrangements  to 

after  10  years 

pay  amount  of 

but  before  40 

first  year's 

years  of  service 

annuity. 

receive  amount 

proportionate  to 

years  served. 

318 


COMMISSION  ON  PENSIONS. 


[Apr. 


3.   Teachers  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED  BY  — 

State. 

Local 
Authorities. 

Teachers. 

Maine. 

Acts  of  1913,  ch. 
75.    Applies  to 
entire  State. 

State  Superin- 
tendent of 
Schools  to  formu- 
late rules  for 
carrying  act  into 
effect. 

$8,000  appro- 
priated for  1913, 
and  $25,000 
annually  there- 
after to  be 
taken  from  the 
school  and  mill 
fund. 

Nothing. 

Nothing. 

Maryland. 

Acts  of  1912,  ch. 
135.    Applies  to 
entire  State. 

State  Board  of 
Education  con- 
trols. 

$28,000  appro- 
priation au- 
thorized. 

Nothing. 

Nothing. 

Acts  of  1912,  ch. 
463.    Applies  to 
Alleghany  Co. 

Board  of  5 
trustees,  3  from 
teaching  force. 

Nothing. 

Such  appropria- 
tion by  county  as 
may  be  necessary. 

1%  to  2%  of 
annual  salary, 
graded  on  years 
of  service,  not  to 
exceed  $20. 

BALTIMORE. 

Acts  of  1912. 

Board  of  trustees 
of  Teachers  Re- 
tirement Fund 
of  Baltimore 
County. 

Nothing. 

Such  sums  as 
county  commis- 
sioner of  Balti- 
more County 
may  appropriate. 

1%  to  2%  of 
annual  salary, 
graded  on  years 
of  service,  not  to 
exceed  $28.80. 

Massachusetts. 

Acts  of  1908,  ch. 
498.    Applies  to 
all  cities  and 
towns  accepting 
act,  except 
Boston. 

Local  school 
committee  con- 
trols. 

Nothing. 

Such  revenues  as 
may  be  appro- 
priated by  city 
or  town. 

Nothing. 

1914. 


HOUSE  —  No.  2450. 


319 


S.  Teachers  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

$250  annually, 

No  provision. 

After  25,  30  or  35 

based  on  35  years 
of  service,  and 

years  of  service, 
including  20 

lesser  amounts 
arbitrarily  fixed 

years  of  service 
in  State  schools, 

for  30  and  25 

the  last  15  of 

vears  of  service. 

which  immedi- 

Special half-rate 

ately  precede 

pensions  are  also 

retirement,  pro- 

provided for 
teachers  who 

vided  the  appli- 
cant has  reached 

- 

retired  from 

the  age  of  60. 

- 

service  previous 

to  act. 

A  flat  rate  of 
$200  annually  for 
all  annuitants. 

Recognized  after 
25  years  of  serv- 
ice if  60  years  of 

No  further  pro- 
vision except  age 
limit  may  be 

- 

- 

Pension  continues 
only  as  long  as 
annuitant  is 

age  and  without 

waived  in  ex- 

without other 

the  means  of 

treme  cases. 

means  of  sup- 

"comfortable 

port. 

support." 

One-half  of 
average  annual 

Recognized  after 
20  years  of 

After  40  years  of 
service. 

- 

One-half  of 
amount  con- 

Mandatory on  all 
teachers.    Appli- 

salary for  last  5 

service. 

tributed  re- 

cant must  have 

years  of  service, 

turned  in 

paid  or  made 

not  to  exceed  $400 
nor  be  less  than 

event  of  resig- 
nation or 

arrangements  to 
pay  amount  of 

$200.    Teachers 

death. 

irst  annuity. 

retiring  after  20 

Act  also  provides 

years  but  before 

tor  formation  of  a 

40  years  of  service 

relief  fund  main- 

shall receive 

tained  by  25  cent 

amount  propor- 
tionate to  years 

monthly  levy  on 
teachers.    Teacher 

served. 

disabled  for  20 

school  days  re- 

ceives thereafter 

>5  weekly  for  not 

more  than  10 

weeks.    Any 

deficit  in  fund  to 

>e  met  by  further 

evy  of  $1  on 

teachers;  any  sur- 

)lus  to  be  trans- 

erred  to  the  re- 

tirement fund. 

$600  annually, 
based  on  35  years 
of  service.    A 
minimum  of  $360 

lecognized  after 
0  years  of 
ervice  in  city. 

After  35  years  of 
service. 

- 

One-half  of 
amount  con- 
iributed  re- 
urned  in  case 

Compulsory  on 
new  teachers. 
Vlust  have  paid 
n  or  made  ar- 

is  established, 

of  death. 

angements  to  pay 

and  between  the 

n  amount  of  one 

two  the  annuity 

annuity. 

is  y<t,  the  average 

annual  salary  for 

last  5  years  of 

service. 

One-half  of 
annual  salary  at 
time  of  retire- 

lecognized after 
5  years  of 
ervice  in  city  or 

Ai  ter  60  years  of 
age,  at  discretion 
3f  school  com- 

- 

- 

Subject  to  refer- 
ndum  vote  in  all 
ities  and  towns, 

ment,  not  to 

town. 

mittee. 

xcept  Boston,  on 

exceed  $500. 

petition  of  5%  of 

voters. 

320 


COMMISSION  ON  PENSIONS. 


[Apr. 


3.   Teachers  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Teachers. 

Massachusetts  — 
Con. 

Acts  of  1913,  ch. 
832.    Applies  to 
entire  State,  ex- 
cept Boston. 

Teachers  retire- 
ment board  of  7 
members,  3  from 
teaching  force. 

Such  appropri- 
ations as  may 
be  necessary  to 
administer  act, 
to  be  known  as 

Nothing. 

To  be  determined 
annually  by  re- 
tirement board, 
but  not  to  be  less 
than  $35  nor 

Expense  Fund. 
Such  amounts 

more  than  $100  in 
any  one  year.  Ex- 

as may  be  neces- 

empt from  assess- 

sary to  pay 

ment  after  30 

pensions  pro- 
vided by  this 

years'  payments 
if  member  so 

act,  to  be 

elects.    In  no 

known  as  the 

case  shall  member 

Pension  Fund. 

pay  a  sum  more 

than  sufficient  to 

purchase  an  an- 

nuity of  $500  at 

age  of  60  years. 

(BOSTON.) 

Acts  of  1900,  ch. 
237,  as  amended 

Board  of  11 
trustees,  6  from 

Nothing. 

Not  exceeding 
$1,500  annually 

$3  every  alternate 
month  from 

by  Acts  of  1902, 

teaching  force. 

for  treasurer  and 

salary. 

ch.  233. 

clerk  hire. 

Acts  of  1908,  ch. 

Board  of  3 

Nothing. 

Tax  of  5  cents  on 

Nothing. 

589,  amended  by 

trustees. 

each  $1,000  of 

Acts  of  1910,  ch. 

property  valua- 

617, and  Acts  of 

tion. 

1912,  ch.  569. 

1914." 


HOUSE  — No.  2450. 


321 


3.   Teachers  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Retirement  allow- 
ance to  consist  of 
two  parts,  annuity 
and  pension.    An- 

lecognized after 
60  years  of  age. 

/oluntary  after 
60  years  of  age; 
compulsory  at 
70  years. 

'n  event  of  death 
of  annuitant  be- 
ore  receiving  as 
annuities  full 

Full  amount 
contributed, 
with  interest, 
returned  in 

Compulsory  on  all 
teachers  entering 
service  after  June 
30,  1914. 

nuity  to  be  such 

amount  paid  in 

event  of  resig- 

Question of  repeal 

as  can  be  pur- 

as assessments, 

nation  or 

of  Acts  of  1908,  ch. 

chased  by  con- 

the difference 

death. 

498,  shall  be  sub- 

tributions  of 

ihall  be  paid  to 

ect  of  referendum 

member,  with 

lis  legal  repre- 

vote on  petition 

compound  inter- 

sentatives. 

of  5%  of  voters  of 

est,  at  time  of 

any  city  or  town. 

retirement.    The 

!"Jo  town  or  city 

pension  is  to 

f)  be  permitted 

equal  amount  of 

to  avail  itself  of 

annuity  paid. 

Acts  1908,  ch.  498, 

Teacher  who 

lereafter.    State 

shall  have  entered 

jo  reimburse 

the  service  before 

cities  which  have 

June  30,  1914, 

accepted  Acts  of 

who  shall  have 

1908,  ch.  498,  up 

served  15  years  or 

to  the  amount 

more  in  State, 

pensioners  would 

including  the  5 

be  entitled  to 

years  immedi- 

under the  pro- 

ately preceding 

visions  of  this  act. 

retirement,  shall 

receive  such  an- 

nuity as  his  pay- 
ments entitle  him 

to,  plus  such 

pension  as  shall 

make  a  total  of 

at  least  $300. 

Such  annuity  as 
fund  will  allow 

lecognized  after 
!  years  of  serv- 

After 30  years  of 
service,  at  least 

- 

One-half  of 
amount  con- 

Mandatory on  all 
teachers  entering 

and  as  board  of 

ice,  provided 

10  of  which  must 

tributed  re- 

service after  act 

trustees  may  de- 

>ayments have 

have  been  in  city. 

turned  to  re- 

takes effect.    An- 

termine.    (At 

jeen  made  as  of 

tiring  teachers 

nuitants  not 

present  annuity 
is  $180.) 

fl  years  of 
service. 

after  2  years  of 
service. 

tiaving  paid  $540 
and  not  able  to 

make  up  deficit 

may  be  retired  on 

such  annuity  as 

trustees  deter- 

mine. 

One-third  of  sal- 
ary at  time  of 

Recognized  at 
discretion  of 

After  30  years  of 
service  and  65 

- 

- 

- 

retirement,  based 

school  commit- 

years of  age. 

on  30  years  of 

tee. 

service,  not  to  be 

less  than  $312 

nor  exceed  $600. 

Teachers  retiring 
after  period  aggre- 

f 

gating  less  than 

30  years,  10  of 

which  were  in 

city  of  Boston,  re- 

ceive proportion- 

ate annuity. 

322 


COMMISSION  ON  PENSIONS. 


[Apr. 


3.   Teachers  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS   CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Teachers. 

Massachusetts  — 

Con. 
(BOSTON)  —  Con. 

Acts  of  1912, 
ch.  569. 

Michigan. 

No  State-wide 
egislation. 

DETROIT. 

Acts  of  1907, 
amending 
charter. 

Local  board  of  7 
trustees,  3  from 
teaching  force. 

Nothing. 

Board  of  educa- 
tion may  appro- 
priate tuition  fees 
of  nonresident 
pupils. 

1%  to  3%  of 
salary,  not  to 
exceed  $30, 
graded  on  years 
of  service. 

Minnesota. 

Acts  of  1911,  ch. 
383.    Applies  to 
cities  having 
10,000  or  more 
population. 

Local  retirement 
fund  association 
formed  by 
teachers,  ap- 
proved by  city 
council  and  in- 
corporated. 

Nothing. 

Tax  not  to  exceed 
1,1  o  of  1  mill  on 
taxable  property. 

No  fixed  provi- 
sion; left  to  dis- 
cretion of  local 
board. 

DULUTH. 

Under  authority 
of  "10,000  popu- 
lation" act. 

Duluth  Fund 
Association. 

Nothing. 

One-tenth  of  1 
mill  on  all  tax- 
able property. 

$10  to  $25  per 
annum,  graded 
on  years  of 
service. 

i 

MINNEAPOLIS. 

Under  authority 
of  "  10,000  popu- 
lation" act. 

Minneapolis 
Teachers'  Retire- 
ment Fund  As- 
sociation of  9,  5 
from  teaching 
force. 

Nothing. 

One-tenth  of  1 
mill  tax  on  all 
taxable  property, 
J,4o  of  which  goes 
to  permanent 
fund. 

$10  to  $25  per 
annum,  graded 
on  years  of 
service. 

Mississippi. 

No  legislation. 

1914.1 


HOUSE  — No.  2450. 


323 


3.   Teachers  —  Continued. 


PENSIONS  FOR  — 

Rate  of  Pension. 

Disability. 

Age  or  Service. 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

This  act  provides 

that  nt  least  60 

of  those  who  were 

annuitants  of  the 

Boston  Teachers' 

Retirement  Fund 

Association  at  time 

when  Act  of  1908, 

ch.  589  took  effect, 

or  of  other  teachers 

who  had  retired 

prior  to  such  time 

who  had  taught 

30  years,  20  of 
which  were  in  the 

city  of  Boston, 

shall  be  paid 

annual  pensions  of 

not  less  than  $180 

annually.    At 

least  60  to  be 

kept  on  roll  at 

all  times. 

- 

_ 

_ 

_                _ 

_ 

Bill  for  teachers' 

pensions  intro- 

duced at  last  leg- 

• 

islative  session 

and  lost. 

$400  annually, 
based  on  30  years 

Recognized  after 
20  years  of  serv- 

After 30  years  of 
service,  of  which 

- 

At  discretion 
of  trustees,  but 

- 

of  service,  of 

ice,  10  of  which 

!0  must  have 

aot  to  exceed 

which  20  must 
have  been  in  city 
or  after  25  years 
of  service  wholly 

must  have  been 
in  city. 

>een  in  city  or 
after  25  years  of 
service  wholly  in 
city. 

y<i  of  amount 
contributed. 

in  city. 

No  'fixed  provi- 
sion. 

S"o  fixed  provi- 
sion. 

^o  fixed  provi- 
sion. 

- 

No  fixed  pro- 
vision. 

Approval  of  ^ 
of  teaching  staff 

required  to  form 

association. 

$500,  based  on  30 
years  of  service. 

Recognized  after 
20  years  of 

\fter  30  years  of 
ervice. 

_ 

Amount  con- 
tributed re- 

_ 

Teachers  retiring 
after  20  years  for 

service. 

turned  if 
dismissed;  Yt 

disability  receive 

of  amount  if 

* 

proportional 

«acher  resigns. 

annuity,  but  not 

less  than  $333.33. 

$500,  based  on  30 
years  of  service, 

lecognized  after 
2  years  of  service, 

After  20  years  of 
service,  retire- 

- 

Amount  con- 
tributed re- 

klust have  paid 
n  y<&  of  amount 

10  years  of  which 
must  have  been  in 

and  annuity  is 
ixed  at  discre- 

ment  is  possible 
without  disa- 

turned in  the 
event  of  dis- 

of one  annuity  to 
be  eligible. 

city.    Teachers  re- 

ion of  board. 

bility. 

missal  or  death  ; 

tiring  after  20  years 
and  before  30  years 

YI  of  amount 
in  event  of 

receive  a  propor- 

resignation. 

tionate  annuity. 

. 

324 


COMMISSION  ON  PENSIONS. 


[Apr. 


3.   Teachers  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 

Authorities. 

Teachers. 

Missouri. 

No  State-wide 

_ 

_ 

_ 

legislation. 

ST.  Louis. 

Private 

Nothing. 

Nothing. 

1%  oflsalary. 

Teachers' 

Association. 

Montana. 

No  legislation. 

Nebraska. 
OMAHA. 

Acts  of  1909,  ch. 
132.    Applies  to 
all  metropolitan 

Local  boards  of 
education. 

Nothing. 

Not  less  than  \Yz 
times  amount  of 
teachers'  salary 

1%  to  1H%  of 
annual  salary. 

cities. 

assessment. 

Nevada. 

No  legislation. 

New  Hampshire. 

No  legislation. 

• 

New  Jersey. 

Acts  of  1903  and 
amendments. 

Board  of  8 
trustees. 

Nothing. 

- 

2%  to  3%  of  , 
annual  salary^  not 

to  exceed  $50 

vearlv  nor  to  ex- 

ceed $1,000  total. 

New  Mexico. 

No  legislation. 

New  York. 

Acts  of  1911,  ch. 

Board  of  5 

State  appropri- 

No provision. 

l%rof  annual 

449.    Applies  to 
entire  State. 

trustees  ap- 
pointed by 
commissioner  of 
education. 

ations  from 
time  to  time  as 
may  be  neces- 
sary. 

salary. 

NEW  YORK 
CITY. 

Acts  of  1909,  ch. 
505,  amending 
Greater  New 
York  City 
Charter  as  re-en- 
acted by  ch.  466, 

Board  of  educa- 
tion controls. 
Retirement 
determined  by 
retirement 
board. 

Nothing. 

5%  of  excise 
moneys. 

1%  of  salary, 
not  to  exceed  $30 
in  case  of  teach- 
ers, nor  $40  in 
case  of  supervis- 
ing officers. 

Acts  of  1901. 

1914.] 


HOUSE  —  No.  2450. 


325 


'.   Teachers  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

_                _ 

_              _ 

_              _ 

_               _ 

Ruling  has  been 

made  that  pen- 

sioning teachers 

rom  public  funds 

s  unconstitu- 

tional. 

$180,  based  on  35 

_              _ 

After  35  years, 

_               _ 

_          _ 

_                _ 

years  of  service. 

or  on  request  or 

it  discretion  of 

>oard  of  educa- 

ion. 

$500,  based  on  35 
years  of  service. 
Teachers  retired 

Recognized  after 
25  years  of 
service,  20  of 

After  35  years  of 
service,  teachers 
may  be  retired; 

- 

No  refunds  in 
case  of  dis- 
missal. 

- 

after  25  and  be- 

which must 

after  40  years 

fore  35  years  of 

lave  been  in  the 

must  be.    20 

service  receive 

city. 

years  of  service  in 

proportionate 

city  in  each  case 

annuity. 

s  required. 

One-half  of 
average  annual 
salary  for  last  5 

Recognized  after 
20  years  of 
service  in  State. 

After  35  years  of 
service,  20  of 
which  are  in 

- 

- 

Applicant  must 
aave  paid  in  or 
made  arrange- 

years of  service, 

State. 

ments  to  pay 

not  less  than  $250 

amount  of  first 

nor  more  than 

annuity. 

$600. 

One-half  of 

Recognized  after 

After  25  years  of 

No  provision. 

Mandatory  on 

annual  salary  at 
time  of  retire- 

.5 years  of  serv- 
ce,  last  9  of 

service,  the  last 
15  of  which  must 

new  teachers. 
Applicant  must 

ment,  not  to  ex- 

which must 

lave  been  in  the 

aave  paid  in  or 

ceed  $600. 

lave  been  in  the 

district. 

made  arrange- 

Teacher retiring 
after  15  years 

district. 

ments  to  pay 
amount  equal  to 

and  before  25 

30%  of  first  an- 

years of  service 

nuity. 

receives  propor- 

tionate annuity. 

One-half  of  salary 
received  at  retire- 
ment, not  less 

Recognized  after 
20  years,  15  of 
which  must  have 

After  30  years  of 
service  and  65 
years  of  age. 

- 

Amount  con- 
tributed re- 
turned if  dis- 

Presidents or  pro- 
fessors shall  re- 
ceive such  addi- 

than $600  after  30 

been  in  the  city. 

missed. 

tional  sums  as 

years  of  service. 

annuity  as  will 

Teacher  retired 

increase  such  half 

after  20  but  before 

of  salary  as  pre- 

30 years  of  service 

viously  paid,  if 

for  disability 

not  an  even 

receives  a  pro- 

multiple of  $1,000, 

portionate  annu- 
ity.   In  no  case 

to  an  even  multi- 
ple of  $1,000. 

shall  annuity  ex- 

Act applies  also  to 

ceed  $1,500  for 

teachers  in  normal 

teachers  nor 

schools  and 

$2,000  for  pro- 

correctional 

fessors  in  higher 

institutions. 

institutions. 

326 


COMMISSION  ON  PENSIONS. 


[Apr. 


3.   Teachers  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Teachers. 

New  York—  Con. 

BUFFALO. 

City  charter  of 
1907,  as  amended 
by  Acts  of  1909, 
ch.  554. 

Board  of  5 
trustees. 

Nothing. 

City  council  may 
appropriate  sum 
not  to  exceed  sal- 
ary deductions. 

1%  to  2%  of 
salaries,  based  on 
years  of  service. 

ROCHESTER. 

City  charter  of 
1907,  as  amended 
by  Acts  of  1907, 
ch.  755. 

Board  of  4 
trustees,  2  from 
teaching  staff. 

Nothing. 

Amount  equal  to 
Yz  of  salary  de- 
ductions. 

2%  of  annual 
salary. 

North  Carolina. 

No  legislation. 

North  Dakota. 

Acts  of  1913, 
ch.  251. 

Board  of  5 
trustees,  ap- 
pointed by  Gov- 
ernor, 3  from 
Members  of  the 
'und. 

Nothing. 

County  treas- 
urer shall  annu- 
ally set  aside 
:rom  county  tui- 
tion funds  10 
cents  for  each 
child  of  school 
age  in  the  county. 

From  1%  to  2% 
of  annual  salaries, 
not  to  exceed  $40, 
based  on  length 
of  service. 

Ohio. 

Acts  of  1911, 
S.  B.  142, 
amending  sects. 
7877,  7878,  7891  of 
General  Code. 
Applies  to  entire 
State. 

Local  boards  of 
trustees  of  not 
ess  than  3  nor 
more  than  7 
members. 

Nothing. 

1%  to  2%  of 
money  raised  by 
taxation  for  school 
purposes. 

$2  per  month. 

Oklahoma. 

No  legislation. 

Oregon. 

Acts  of  1913,ch. 
58,  amending 
acts  of  1911,  ch. 
280.    Applies  to 
districts  having 
more  than  10,000 
children  of 
school  age. 
(See  Portland.) 

Management  in- 
vested in  teach- 
ers' association, 
under  approval 
>f  local  school 
:>oard. 

Nothing. 

3%  of  school 
district  tax  levy. 

Fines,  penalties 
and  forfeitures. 

Pennsylvania. 

Pennsylvania 
school  code  of 
1911. 

Left  to  local 
authorities. 

Nothing. 

Left  to  local 
authorities. 

1914.] 


HOUSE  — No.  2450. 


327 


Teachers  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of 
annual  salary  at 

Recognized  after 
20  years  of 

After  30  years  of 
service  for  fe- 

- 

Full  amount 
contributed 

Applicant  must 
lave  contributed 

time  of  retire- 

service for  fe- 

males and  35 

returned  in 

or  arranged  to 

ment,  not  to 

males  and  25 

years  for  males, 

event  of  dis- 

contribute at 

exceed  $800. 

years  for  males, 
%  of  which  must 

Yo  of  which  must 
lave  been  in  the 

missal  or  re- 
tirement. 

east  40%  of  sal- 
ary at  time  of 

have  been  in  the 

city. 

retirement. 

city. 

One-half  of 
annual  salary  at 

Recognized  after 
20  years  of 

After  30  years  of 
service  for  fe- 

- 

Full  amount 
contributed  if 

Applicant  must 
lave  contributed 

time  of  retire- 

service for  fe- 

males and  35 

teacher  is  dis- 

or arranged  to 

ment,  not  to 

males  and  25 

years  for  males, 

charged. 

contribute  at 

exceed  $800. 

years  for  males, 

15  of  which  must 

least  40%  of 

15  of  which  must 

have  been  in 

salary  at  time  of 

have  been  in  the 

city. 

retirement. 

city. 

One-fiftieth  of 
average  annual 

Recognized  after 
15  years  of 

After  25  years  of 
service,  18  of 

- 

One-half  the 
amount  con- 

Teachers pay 
assessments  for 

salary  for  last  5 
years  of  service 

service  in  State. 

which,  including 
5  immediately 

tributed  re- 
turned in  the 

only  25  years. 
The  full  amount 

multiplied  by 
whole  number  of 

preceding  retire- 
ment, must  have 

event  of  resig- 
nation or  dis- 

of the  annuity  to 
which  the  teacher 

years  of  service, 

been  in  the  State. 

missal. 

shall  be  entitled 

not  to  exceed  $750 

during  the  first 

annually  or  to  be 

year  must  be  paid 

less  than  $350 

n  in  assessments 

annually. 

to  make  him 

eligible. 

$12.50  for  each 
year  of  service, 
not  to  exceed 

Recognized  after 
20  years  of 
service,  10  of 

After  30  years  of 
service,  15  of 
which  must 

- 

Amount  con- 
tributed re- 
turned if 

No  one  eligible 
:or  pensions  who 
aas  not  paid  or 

$450. 

which  must 
have  been  in  the 

have  been  in  the 
district. 

teacher  is  dis- 
missed; H.  if 

made  arrange- 
ments to  pay  $20 

district. 

teacher  re- 

;or each  year  of 

signs. 

service,  not,  how- 

ever, to  exceed 

$600. 

Discretionary. 

Discretionary. 

Discretionary. 

Discretionary. 

Majority  of 

teachers  must 

iavor  before 

incorporation. 

Simply  an  em- 

powering act 

whereby  boards 

of  school  directors, 

school  controllers 

and  other  au- 

thorities may 

establish  teach- 

ers' retiring  funds 

in  all  districts. 

328 


COMMISSION  ON  PENSIONS. 


[Apr. 


3.   Teachers  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Teachers. 

Pennsylvania  — 
Con. 
PHILADELPHIA. 

Pennsylvania 
school  code  of 
1911. 

Joard  of  retire- 
nent  of  5  mem- 
>ers,  1  from 
teaching  force. 

Nothing. 

Amount  equal  to 
;eachers'  con- 
tributions. 

1%  to  2%  of 
teachers'  annual 
salary,  based  on 
years  of  service, 
not  to  exceed  $50 
annually. 

Rhode  Island. 

School  Laws  of 
1910,  pp.  27  and 
94. 

State  Board  of 
Education  con- 
trols. 

Entire  amount. 

Nothing. 

Nothing. 

PROVIDENCE. 

Acts  of  1897, 
ch.  485. 

Board  of  9 
;rustees,  3  from 
teaching  force. 

Nothing. 

Nothing. 

1%  of  annual 
salary,  not  to 
exceed  $12. 

South  Carolina. 

No  State-wide 
legislation. 

CHARLESTON. 

Acts  of  1898  and 
1902. 

Board  of  5 
trustees,  1  from 
teaching  force. 

Nothing. 

10%  for  Bret  5 
years,  and  there- 
after 4%  of  gross 
income  of  special 
school  fund  paid 
by  city. 

Nothing. 

South  Dakota. 

No  legislation. 

Tennessee. 

No  legislation. 

Texas. 

No  legislation. 

Utah. 

Laws  of  1913, 
ch.  91. 

State  board  or 
local  board  of 
education  may 
authorize  organi- 
zation of  a  re- 
tirement com- 
mission.   First- 
class  cities  have 
retirement 
board  of  7  mem- 
bers, 3  from 
teaching  force; 
State  at  large 
has  board  of  15, 
11  being  teach- 
ers. 

Nothing. 

Nothing. 

1%  of  salary,  not 
to  exceed  $12. 

1914.! 


HOUSE  —  No.  2450. 


329 


8.   Teachers  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of 
salary  at  time  of 

Recognized  after 
5  years  of  serv- 

After 30  years  of 
service,  20  years 

- 

Total  amount 
contributed  re- 

To be  eligible  for 
pensions  teachers 

retirement,  not 

ice.    Board  of 

af  which  must 

turned  in  case 

must  have  con- 

less than  $400  nor 

retirement  may 

tave  been  in 

of  dismissal. 

tributed  or  ar- 

more than  $1,000. 
Teachers  retiring 

at  its  discretion 
grant  full  an- 

city, if  applicant 
is  60  years  of 

ranged  to  con- 
tribute assess- 

after 5  years  and 

nuity  to  dis- 

age. 

ments  as  of  25 

before  30  years  of 

abled  teacher 

years. 

service  receive 

after  30  years  of 

proportionate 

service,  20  of 

annuity. 

vhich  must 

lave  been  in 

city. 

One-half  of 

Mo  provision. 

After  35  years  of 

_               _ 

None. 

_ 

average  annual 

service,  25  of 

salary  for  last  5 

which  must 

years  of  service, 

have  been  in  the 

not  to  exceed 

State,  including 

$500. 

the  last  15  years. 

One-half  of  sal- 
ary at  retirement, 
not  to  exceed 

Recognized 
after  10  years  of 
service  in  city. 

After  35  years  of 
service  for  males 
and  30  years  for 

- 

No  provision. 

Teacher  to  be 
eligible  for  pen- 
sion must  have 

$600. 

females,  the  last 

made  payments 

20  years  of  which 

for  at  least  5 

in  each  case 

years. 

must  have  been 

in  the  city. 

• 

One-half  of  sal- 

Recognized 

After  25  years  of 

None. 

ary  at  time  of 

after  20  years  of 

service  if  65 

retirement,  not  to 

service  in  the 

years  of  age  and 

exceed  $250. 

city. 

are  "  in  need  of 

maintenance." 

One-half  of 
average  annual 
salary  for  last  5 
years  of  service, 
not  to  exceed 
$600.    Teachers 
retiring  after  20 

Recognized 
after  20  years  of 
service^  but  if 
disability  ceases, 
pension  is 
stopped  unless 
>ensioner  shall 

After  30  years  of 
service,  10  of 
which  are  in 
city  or  State, 
provided  appli- 
cant has  reached 
age  of  60. 

- 

Amount  con- 
tributed re- 
turned in 
event  of  death 
or  dismissal; 
Yi  if  applicant 
resigns. 

- 

years  of  service 

lave  reached  60 

and  before  30 

years  of  age. 

years  receive  a 

proportionate 

annuity. 

330 


COMMISSION  ON  PENSIONS. 


[Apr. 


3.   Teachers  —  Concluded. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Teachers. 

Vermont. 

Acts  of  1912, 
No.  70. 

State  Teachers' 
Retirement 
Fund  Board  of 
5  members,  1 
from  teaching 
force. 

Appropriations 
may  be  made 
by  General 
Assembly. 

At  discretion  of 
local  authorities. 

Virginia. 

Acts  of  1910, 
ch.  97. 

State  Board  of 
Education. 

$5,000  annually. 

Nothing. 

1%  of  annual 
salary. 

Washington. 

Awaiting  1914 
referendum  to 
the  people, 
Senate  Bill  48, 
Acts  of  1913. 

Board  of  trustees 
of  5,  2  being 
from  teaching 
staff  and  ap- 
pointed by 
Governor. 

State  levy  by 
State  Board  of 
Equalization  of 
20  cents  for 
each  child  in 
State  of  school 
age,  not  to  ex- 
ceed 5  mills  on 
the  dollar. 

No  provision. 

1%  to  2H%  of 
salary,  graded  on 
years  of  service, 
not  to  exceed  $50. 

West  Virginia. 

Mo  legislation. 

Wisconsin. 

Acts  of  1911,  ch. 
23,  amended  by 
Acts  of  1911, 
ch.  664. 

Board  of  5 
xustees,  3  from 
teaching  force. 

Ten  cents  for 
each  person  of 
chool  age  in 
State. 

No  provision. 

1%  to  2%  of  an- 
nual salary, 
graded  on  years 
of  service,  not  to 
exceed  $30. 

MILWAUKEE. 

Acts  of  1909, 
h.  510,  as 
amended  by 
Acts  of  1911, 
ch.  189.    Applies 
to  cities  of  1st 
class  only. 

Board  of  9 
.rustees,  4  from 
teaching  force. 

Nothing. 

1%  of  gross 
school  fund 
necessary  to  pay 
annuities. 

12  monthly  for 
25  years  or  until 
$500  has  been 
>aid  in. 

Wyoming. 

Mb  legislation. 

1914.] 


HOUSE  —  No.  2450. 


331 


3.   Teachers  —  Concluded. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of 
average  annual 
salary  for  last  5 

Recognized  at 
discretion  of 
State  Teachers' 

After  25  years  of 
service  entirely 
in  State  or  30 

- 

No  provision. 

Teacher  to  be 
eligible  must 
have  made  pay- 

years of  service, 

Retirement 

years  of  service, 

ments  equal  to 

not  to  exceed 
$500.    Teachers 

Fund  Board. 

20  of  which  must 
have  been  in  the 

40%  of  annuity. 
Teachers  entitled 

retiring  because 

State. 

to  benefits  of  this 

of  disability  be- 

act must  retire  at 

fore  25  years  of 

age  of  60,  or  right 

service  shall  re- 

lapses. 

ceive  such  pen- 
sion as  the  board 

may  fix. 

One-half  of 

Recognized 

After  30  years  of 

_                _ 

None. 

_                _ 

average  annual 

after  20  years  of 

service  in  State, 

salary  for  last  5 

service  in  State. 

men  must  be  58 

years  of  service, 

years  of  age; 

not  to  exceed 

women,  50  years 

$500. 

of  age. 

One-half  of 

Recognized 

After  30  years  of 

In  the  event  of 

One-half  of 

_                _ 

average  annual 

after  10  years  of 

service,  15  of 

the  death  of  an 

the  amount 

salary  during  last 

service  in  State. 

which  are  in 

annuitant  who 

contributed 

5  years  of  service, 

State,  for  males; 

has  paid  in 

returned  in 

not  to  exceed 

after  25  years  of 

assessments  in 

event  of  resig- 

$600.   Teachers 

service,  15  of 

excess  of  annui- 

nation after  3 

retiring  at  end  of 

which  are  in  the 

ties  received,  his 

years. 

10  years  of  serv- 

State, for  fe- 

estate shall  be 

ice  and  before  15 

males. 

entitled  to  the 

years  for  disa- 

difference. 

bility  receive  a 

minimum  of  $300. 

Teachers  retiring 

after  15  years  of 

service  and  before 

30  years  shall  re- 

ceive a  propor- 

tionate annuity. 

$12.50  for  each 

Recognized 

After  25  years  of 

One-half  of 

year  of  service, 
not,  however,  to 

after  18  years  of 
service  in  State. 

service,  18  of 
which  must  have 

amount  con- 
tributed re- 

exceed $450  in  any 

been  in  the 

turned  in  the 

one  year. 

State. 

event  of  resig- 

nation, dis- 

missal or  death. 

A  flat  rate  of  $400 

Recognized 

After  25  years  of 

One-half  of 

Mandatory  on 

for  all  annuitants. 

after  15  years  of 
service  in  the 

service,  15  of 
which  must  have 

amount  con- 
tributed re- 

new teachers. 
In  extreme  cases 

city  (contribu- 
tions for  15  years 

been  in  the  city. 

turned  in  the 
event  of  resig- 

Board may 
waive  eligibility 

must  have  been 

nation,  dis- 

provisions by 

paid). 

missal  or 
death. 

majority  vote  .  Re- 
funds can  not  be 

paid  from  amount 

contributed  by 

local  authorities. 

332 


COMMISSION  ON  PENSIONS. 


[Apr. 


4.  Judges. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED  BY  — 

State. 

Local 
Authorities. 

Judges. 

Louisiana. 

Acts  of  1910,  ch. 
277.    Applies  to 
Supreme  Court 
judges. 

Appropriation 
of  amount 
necessary. 

Nothing. 

Nothing. 

Maine. 

Acts  of  1911, 
ch.  198,  amend- 
ing Acts  of  1909, 
ch.  132.    Applies 
to  Supreme  and 
Superior  Court 
judges. 

- 

Appropriation 
of  amount 
necessary. 

Nothing. 

Nothing. 

Maryland. 

Acts  of  1904, 
ch.  236.    Applies 
to  judges  of 
Circuit  Court, 
Supreme  Court 
of  Baltimore  and 
Court  of  Appeals. 

Appropriation 
of  amount 
necessary. 

Nothing. 

Nothing. 

Massachusetts. 

Acts  of  1885, 
ch.  162  (R.  L., 
ch.  158,  sects. 
10-11),  and  sub- 
sequent acts. 
Applies  to  all 
judges. 

- 

Appropriation 
of  amount 
necessary 
except  for 
Municipal 
Court  judges  of 
city  of  Boston. 

Appropriation  of 
entire  amount  by 
Suffolk  County 
for  pensions  for 
Municipal 
judges  of  city  of 
Boston. 

Nothing. 

Minnesota. 

Acts  of  1913, 
ch.  269.    Applies 
to  Supreme  and 
District  Courts. 

- 

Appropriation 
of  amount 
necessary. 

Nothing. 

Nothing. 

1914.1 


HOUSE  —  No.  2450. 


333 


4.  Judges. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Full  salary. 

_ 

After  75  years  of 

_ 

This  is  a  joint 

age  provided  he 
has  served  not 

resolution  pro- 
viding for  amend- 

less than  15 

ment  to  Art.  86 

years  prior  to 

of  the  Constitu- 

retirement. 

tion. 

One-half  of 
salary  at  time  of 
retirement. 

-    ' 

After  70  years  of 
age  provided  he 
has  served  not 

- 

- 

Justice  must  re- 
tire within  1  year 
after  becoming 

less  than  10  con- 

eligible for  pen- 

secutive years. 

sion  or  waive 

claim  to  pension. 

$2,400  annually. 

- 

After  70  years  of 
age  provided  he 

- 

- 

- 

has  served  not 

less  than  10  con- 

secutive years 

immediately 

preceding  retire- 

ment.   After  70 

years  of  age  pro- 

vided he  has 

served  15  con- 

secutive years 

either  before  or 

after,  or  partly 

before  and  partly 

after  1904.    After 

70  years  of  age 
provided  he  has 

served  as  judge 

and  is  now  no 

longer  in  office. 

Three-quarters  of 

8DDU3.1  SSlSTy. 

Recognized,  sub- 
ject to  approval 
by  Governor  and 
Council,  after  15 

After  70  years  of 
age  provided  he 
has  served  at 
least  10  consecu- 

- 

- 

- 

consecutive 
years  of  service, 
if  60  years  of  age, 
in  the  case  of 

tive  years  in  the 
case  of  judges  in 
Supreme  Judi- 
cial, Superior, 

judges  of  Su- 
preme Judicial, 
Superior,  Land 

Land,  Probate 
and  Insolvency 
Courts.    After  70 

and  Probate  and 

years  of  age  and 

Insolvency 

20  consecutive 

Courts. 

years  of  service, 

subject,  except 

in  Boston,  to  ap- 

proval by  Gov- 

ernor and  Coun- 

cil, in  the  case  of 

District,  Munic- 

ipal and  Police 

Court  judges. 

Amount  of  salary 
for  remainder  of 

Recognized  at 
any  time  upon 

- 

- 

- 

- 

term  (6  years). 

investigation  by 

Governor. 

334 


COMMISSION  ON  PENSIONS. 


[Apr. 


If..  Judges  —  Concluded. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Judges. 

New  Jersey. 

Acts  of  1908,  ch. 
313,  amended  by 

- 

Appropriation 
of  amount 

Nothing. 

Nothing. 

Acts  of  1911, 

necessary. 

ch.  185.    Applies 

to  chancellor, 

chief  justice  and 

associate  justices 
of  Supreme 

Court. 

New  York. 

Acts  of  1913,  ch. 
138,  amending 
Acts  of  1911,  ch. 
855,  as  amended 

Appellate 
Division  of  the 
Supreme  Court 
of  the  first 

Supreme  Court 
appropriation  of 
balance  neces- 
sary. 

Nothing. 

1%  of  annual 
salary. 

by  Acts  of  1912, 

district. 

ch.  486.    Applies 

to  all  employees 

of  Supreme 

Court,  first 

district. 

Acts  of  1913,  ch. 
185,  amending 
Acts  of  1909,  ch. 

Appellate 
Division  of  the 
Supreme  Court 

Entire  amount 
out  of  Supreme 
3ourt  appropria- 

Nothing. 

Nothing. 

35.    Applies  to 

of  the  second 

tion. 

all  employees  of 

district. 

Supreme  Court 

of  the  second 

and  ninth 

districts. 

Rhode  Island. 

General  Laws  of 
1909,  ch.  274. 

- 

Appropriation 
of  amount 

Nothing. 

Nothing. 

Applies  to  Su- 

necessary. 

preme  and  Su- 

perior Court 

judges. 

1914; 


HOUSE  — No.  2450. 


335 


4-  Judges  —  Concluded. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-third  of 
annual  salary. 

Recognized  at 
any  time  if  in- 

After 70  years  of 
age  provided  he 

- 

- 

Provisions  are 
retroactive  for 

curred  in  office, 

has  served  21 

period  of  1  year. 

upon  approval 

years. 

by  Governor. 

To  be  determined 
by  Appellate  Di- 
vision, not  exceed- 

Recognized after 
30  years  of  serv- 
ice, of  which  12H 

- 

- 

- 

Employees  must 
signify  intention 
of  taking  advan- 

ing Yi  of  average 
annual  salary  for 
2  years  preceding 

must  have  been 
in  the  Supreme 
Court  of  the  first 

tage  of  this  act. 

retirement. 

district,  and  at 

least  12^  years 

prior  service  in 

any  other  court, 

department  or 

office  of  the  State 

or  the  county  or 
the  city  of  New 

York. 

- 

To  be  determined 

Recognized 

by  Appellate  Di- 

after 25  years  of 

vision,  not  exceed- 

service. 

ing  Yi  of  average 

annual  salary  for 

2  years  preceding 

retirement. 

Full  salary  at 
time  of  retire- 

- 

After  70  years  of 
age  provided  he 

- 

- 

- 

ment. 

aas  served  not 

ess  than  10  years 

immediately  pre- 

ceding.   After  25 

years  of  service. 

336 


COMMISSION  ON  PENSIONS. 


LApr. 


5.  Other  State,  County  and  Municipal  Employees. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Employees. 

Illinois. 

Acts  of  1913, 

Board  of  6 

Nothing. 

Board  of  educa- 

?ixed by  trustees, 

S.  B.  365, 

trustees,  4  from 

tion  may  appro- 

not less  than  $12 

amending  Acts 
of  1909,  ch.  122. 
Applies  to  pub- 

employees. 

• 

priate  sum  not 
exceeding  twice 
the  amount  con- 

lor more  than 
548  annually. 

ic  school  em- 

tributed by 

ployees  other 

employees. 

.han  teachers 

receiving  over 

$49  monthly  in 

cities  of  over 

100,000. 

R.  S.  of  1911, 
ch.  24,  sects.  661- 

Board  of  6 
trustees,  4  from 

Nothing. 

Nothing. 

1%  to  2%  of 
annual  salary. 

674.    Applies  to 

employees. 

all  employees  in 

Water  Works 

Department  of 
cities  of  over 

100,000. 

R.  S.  of  1911,  ch. 
24,  sects.  747-751. 

Board  of  5 
trustees,  3  from 

Nothing. 

Nothing. 

$2  monthly. 

Applies  to  all 

employees. 

except  temporary 

employees  not 

eligible  under 

any  other  pen- 

sion act. 

R.  S.  of  1911,  ch. 
81,  sects.  43-57. 

Board  of  5 
trustees,  2  from 

Nothing. 

Nothing. 

Fixed  by 

trustees,  not  less 

Applies  to 
public  library 

employees. 

than  $6  nor 
more  than  $48. 

employees  in 

cities  of  over 

100,000. 

1914.] 


HOUSE  —  No.  2450. 


337 


5.  Other  State,  County  and  Municipal  Employees. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Pavments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Fixed  by  board  of 
trustees  in  pro- 

See Additional 
Data. 

After  10  years  of 
service  and  10 

In  event  of  death 
of  member  who  is 

One-half 
amount  con- 

After 10  years  of 
assessments  if 

portion  to  amount 

years  of  contri- 

not or  has  not 

tributed  in 

member  is  dis- 

contributed, not 
exceeding  $600. 

butions  if  55 
years  of  age. 
After  20  years  of 

been  a  beneficiary, 
trustees  may  pay 
widow  or  minor 

event  of  resig- 
nation or  dis- 
missal before  ' 

abled  he  is  pen- 
sioned for  2  years; 
and  at  expiration 

service. 

children  1  year's 

10  years. 

of  that  time  if  dis- 

benefits. 

ability  continues, 

pension  may  be 

extended. 

Fixed  by  board  of 
trustees  in  pro- 
portion to  amount 

See  Additional 
Data. 

After  50  years  of 
age,  20  years  of 
service  and  if 

In  event  of  death 
of  member  who 
is  not  or  has  not 

One-half  of 
amount  con- 
tributed in 

After  5  years  of 
assessments  if 
member  is  dis- 

contributed, not 
exceeding  y&  of 

member  has  paid 
assessments  for  10 

been  a  beneficiary 
for  3  years, 

event  of  resig- 
nation or  dis- 

abled he  is  pen- 
sioned for  2  years, 

salary. 

years. 

trustees  may  pay 
widow  or  children 

missal  if  mem- 
ber has  paid 

and  at  expiration 
of  that  time  if  dis- 

not over  $300. 

assessments  for 

ability  continues, 

5  years.    If 

pension  may  be 

member  has 

extended. 

been  an  em- 

ployee for  12 

years,  -he  may 

3ontinue  pay- 

ing assessments 

until  eligible 

for  pension. 

$50  monthly. 

See  Additional 

After  20  years  of 

_                _ 

_          _ 

After  5  years  of 

Data. 

service  if  55  years 

assessments  if 

of  age.    After  20 

member  is  dis- 

years of  service, 
if  under  55  years 

abled  he  is  pen- 
sioned for  2  years; 

of  age,  member 

and  at  expiration 

may  retire  and 

of  that  time  if  dis- 

continue paying 

ability  continues, 

dues  until  55 

pension  may  be 

years  of  age. 

extended.    No 

pensions  to  be 

paid  previous  to 

1916.    Members 

must  have  paid 

or  arranged  to 

pay  assessments  as 

of  20  years  to  be 

eligible  for 

pensions. 

Fixed  by  board  of 

See  Additional 

After  10  years  of 

In  event  of  death 

One-half  of 

After  10  years  of 

trustees  in  pro- 

Data. 

service  and  10 

of  member  who 

amount  con- 

assessments if 

portion  to  amount 
contributed,  not 

years  of  contri- 
butions if  55 

is  not  or  has  not 
been  a  beneficiary, 

tributed  in 
event  of  resig- 

member is  dis- 
abled he  is  pen- 

exceeding $600. 

years  of  age. 
After  20  years  of 

trustees  may  pay 
widow  or  minor 

nation  or  dis- 
missal. 

sioned  for  2  years; 
and  at  expiration 

service  and  5 

children  1  year's 

of  that  time  if  dis- 

years of  con- 

benefits. 

ability  continues, 

tributions. 

pension  may  be 

extended. 

338 


COMMISSION  ON  PENSIONS. 


[Apr. 


5.  Other  State,  County  and  Municipal  Employees  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Employees. 

Massachusetts. 

A.cts  of  1911,  ch. 
32  and  subse- 
uent  acts. 
Applies  to  all 

Joard  of  retire- 
ment of  3 
members. 

Appropriation 
f  entire 
mount  for 
dministration. 

Nothing. 

Fixed  by  board 
of  retirement,  not 
less  than  1%  nor 
more  than  5%,  $30 

mployees  of  the 
Com  monwealth 

Appropriation 
f  balance 

weekly  being 
maximum  basis 

xcept  those 

necessary  to 

of  assessment. 

ntering  service 
after  55  years  of 

pay  annuities 
nd  pensions. 

age,  who  are  pro- 
hibited from 

emaining  in 

service  after 

caching  age  of 

0  years,  officers 
lected  by  popu- 
ar  vote  and  all 

who  are  entitled 

£>  pensions  from 
Commonwealth 

or  any  reason 

other  than 

membership  in 

association. 

Acts  of  1911, 
ch.  634  and 

Board  of  retire- 
ment of  3 

Nothing. 

Appropriation  by 
county  of  entire 

See  Additional 
Data. 

subsequent  acts. 

members. 

amount  for  ad- 

Applies to 

ministration. 

counties  accept- 
ing act  by  vote 

Appropriation  by 
county  of  balance 

of  people  at 
State  election. 

necessary  to  pay 
pensions  and 

annuities. 

1914.] 


HOUSE  — No.  2450. 


339 


5.  Other  State,  County  and  Municipal  Employees  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

Members  retired 

_ 

After  15  years  of 

_ 

Entire  amount 

[f  husband  and 

after  70  years  of 

continuous 

ontributed  in 

wife  are  members, 

age,  or  after  60 

service  if  60 

vent  of  resig- 

and one  retires  or 

years  of  age  and  15 
years  of  service,  or 
after  35  years  of 

years  of  age 
member  may 
retire  or  be  re- 

nation, dis- 
nissal  or  death 
Before  member 

is  retired,  the 
other  may  also 
retire.    Annuities 

service  receive:  (a) 

tired.    After  70 

>ecomes  en- 

purchasable  by 

life  annuity  pur- 

years of  age 

itled  to 

sontributions  are 

chased  by  amount 

member  must  be 

pension. 

imited  to  amount 

of  contributions 

retired.    After  35 

equal  to  J4  of 

based  on  tables 

years  of  continu- 

average annual 

adopted  by  re- 

ous service, 

salary.    Any 

tirement  board; 

member  may 

amount  contrib- 

(b) life  pension  by 
State  equal  to  an- 

retire or  be  re- 
ired.   Employee 

uted  in  excess  is 
returned  to  mem- 

nuity.    Member 

55  years  of  age  at 

>er  in  lump  sum. 

retired  after  15 

passage  of  act 

The  Common- 

years of  service  if 

may  be  retired 

wealth  is  reim- 

60  years  of  age,  or 

at  60  years  of 

>ursed  by  coun- 

at 60  years  of  age 

age  whether 

ties  having  a 

without  15  years 

member  of  as- 

•etirement system 

of  service,  pro- 

sociation or  not. 

or  members  of 

vided  he  was  55  at 

this  association 

passage  of  act,  re- 
ceives in  addition 

who  are  paid 
partly  by  county 

to  pension  and  an- 

and partly  by 

nuity  provided  as 

State. 

above  an  extra 

pension  equal  to 

the  annuity  to 

which  he  would 

have  been  entitled 

if  the  retirement 

system  had  been  in 

operation  when  he 

entered  service  and 

he  had  contribu- 

ted from  that  date 

to  date  of  estab- 

lishment of  sys- 

tem.   Employees 

55  years  of  age  at 

establishment  of 

system  receive  the 

minimum  pension 

of  $200  annually. 

Amount  received 

shall  in  no  case  be 

less  than  $200  nor 

more  than  }/i  the 

average  annual 

salary  of  the  10 

years  preceding 

retirement. 

See  Additional 

_ 

See  Additional 

_               _ 

See  Additional 

Act  is  similar  in 

Data. 

Data. 

Data. 

all  essential 

features  to  retire- 

ment system  for 

employees  of  the 

Commonwealth. 

340 


COMMISSION  ON  PENSIONS. 


[Apr. 


5.  Other  State,  County  and  Municipal  Employees  —  Continued. 


STATE  AXD  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Employees. 

Massachusetts 
—  Con. 

Acts  of  1910,  ch. 
319,  and  amend- 

Board of  retire- 
ment of  3 

Nothing. 

Appropriation  by 
city  or  town  of 

See  Additional 
Data. 

ing  act  of  1911, 
ch.  338.    Applies 

members. 

amount  necessary 
For  administra- 

to all  cities  and 

tion.    Appro- 

towns after  ac- 

priation by  city 

ceptance  except 

or  town  of  bal- 

Boston. 

ance  necessary  to 

pay  pensions 
and  annuities. 

Acts  of  1911,  ch. 

Board  of  retire- 

Nothing. 

Entire  amount 

Nothing. 

413,  and  amend- 
ing act  of  1913, 

ment  of  3  offi- 
cials, including 

appropriated  by 
city. 

ch.  367.    Applies 

mayor. 

to  city  of  Boston. 

Acts  of  1912,  ch. 

Board  of  retire- 

Nothing. 

Entire  amount 

Nothing. 

503,  as  amended 
by  Acts  of  1913, 
ch.  671.    Applies 

ment. 

appropriated  by 
city  or  town. 

to  all  cities  and 

towns,  except 

Boston,  accept- 

ing act. 

Acts  of  1907,  ch. 

458.    Applies  to 

civil  war  veter- 

ans in  the  em- 

ploy of  the  State. 

Acts  of  1912, 

ch.  447.    Applies 

to  civil  war 

veterans  in  all 

cities  and  towns, 

except  Boston, 

after  acceptance. 

Acts  of  1909,  ch. 

398,  as  amended 

by  Acts  of  1910, 

ch.  459.    Applies 

to  civil  war 

veterans  in 

employ  of 

counties. 

Acts  of  1911,  ch. 

_ 

_ 

_ 

_ 

113,  as  amended 

by  Acts  of  1912, 

ch.  395,  and  Acts 

of  1913,  ch.  313. 

Applies  to  civil 

war  veterans  in 

service  of  city  of 

Boston. 

1914.1 


HOUSE  — No.  2450. 


341 


5.  Other  State,  County  and  Municipal  Employees  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOR  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

See  Additional 

_ 

See  Additional 

_ 

See  Addi- 

Act  is  similar  in 

Data. 

Data. 

ional  Data. 

all  essential 

features  to  retire- 

ment systems  for 

employees  of  the 
Commonwealth 

and  counties. 

One-half  of 
salary  of  grade  of 

After  25  years  of 
ervice,  if  60  years. 

After  25  years  of 
service,  if  70 

- 

- 

- 

employment  at 
time  of  retirement, 

f  age  and  in- 
apacitated,  may 

years  of  age, 
must  be  retired. 

not  to  exceed 

)e  retired. 

$360  per  year. 

One-half  of 

After  25  years  of 

After  25  years  of 

_ 

_ 

_ 

average  annual 
salary  received 
during  2  years 

ervice,  if  60 
years  of  age  and 
ncapacitated, 

service,  if  65 
years  of  age, 
must  be  retired. 

next  prior  to  re- 

may be  retired. 

tirement. 

After  15  years  of 

service  if  in- 

urred  in  line  of 

uty. 

One-half  of 

After  10  years 

f  term  of  serv- 

_ 

_ 

annual  salary  at 

with  consent  of 

ce  is  for  fixed 

time  of  retire- 

Governor.   At 

number  of  years, 

ment. 

ny  time  with 

member  may  be 

consent  of  Gov- 

etired  without 

rnor  and 

eappointment. 

Council. 

One-half  of 
average  annual 
salary  for  2  years 

After  10  years 
with  approval  of 
ity  council,  or 

- 

- 

- 

f  employed  by 
wo  cities,  or  two 
owns,  or  by  city 

preceding  retire- 

selectmen in 

and  town,  retire- 

ment. 

owns. 

nent  must  be  by 

oint  action  of  the 

,wo  governing 

bodies. 

One-half  of 

After  10  years  of 

_ 

_ 

_ 

a  nnual  salary,  not 

service,  if  65 

exceeding  $800. 

years  of  age,  with 

consent  of  county 

commissioners. 

At  any  time  with 

consent  of  Gov- 

ernor and  Coun- 

cil. 

.     . 

After  10  years  of 
service  with 

If  term  of 
service  is  for 

- 

- 

[f  member  is  on 
.eave  of  absence 

consent  of  mayor 

fixed  number  of 
years,  member 
may  be  retired 

or  on  list  of  em- 
ployees, although 
not  rendering 

without  reap- 

service,  or  if  he 

pointment. 

left  the  employ  of 
the  city  within  3 
years  preceding 

passage  of  the  act, 

he  is  entitled  to 

benefits  of  the  act. 

342 


COMMISSION  ON  PENSIONS. 


[Apr. 


5.   Other  State,  County  and  Municipal  Employees.  —  Continued. 


STATE  AND  CITY. 

Legislation. 

Management. 

FUNDS  CONTRIBUTED   BY  — 

State. 

Local 
Authorities. 

Employees. 

Massachusetts 
—  Con. 

Acts  of  1908,  ch. 
601,  and  amend- 

Approval of  the 
Governor  and 

Entire  amount. 

Nothing. 

Nothing. 

ment  of  1911, 

Council  neces- 

ch. 673.    Applies 
to  prison  officers 

sary. 

and  instructors 

who  began  em- 

ployment pre- 

vious to  June  7, 

1911. 

Nebraska. 

Acts  of  1913, 

City  council. 

Nothing. 

Appropriation  of 

iyz%  of  annual 

ch.  152.    Applies 

sum  not  less 

salary. 

to  public  library 

than  \y<i  times 

employees  in  1st 

salary  contribu- 

class cities. 

tion  and  not  less 

than  amount 

necessary  to 

meet  payments, 
and  to  cease  when 

Fund  is  large 

enough. 

New  Jersey. 

Acts  of  1913,  ch. 
215.    Applies  to 
all  cities  having 
health  boards  if 

Board  of  5 
trustees,  4  being 
employees. 

Nothing. 

Fines  and  fees 
collected  by 
Health  Depart- 
ment not  exceed- 

2% of  annual 
salary  if  fund  is 
below  $20,000. 

adopted  by  %  of 

ing  $2,500  annu- 

employees. 

ally.    Any  appro- 

priation city 

may  make. 

New  York. 

Acts  of  1901,  ch. 
466,  as  amended 
by  Acts  of  1911, 
ch.  839.    Applies 

Commissioner  of 
street  cleaning, 
New  York  city. 

Nothing. 

Proceeds  from 
sale  of  ashes, 
garbage  and 
refuse  and  con- 

Not over  3%  of 
annual  salary; 
fines,  penalties 
and  rewards. 

to  New  York 

demned  property. 

city. 

Moneys  received 

from  privilege  of 

scow  trimming. 

Unexpended  sal- 

ary appropriation 

in  the  depart- 

ment. 

Acts  of  1901,  ch. 

Board  of  Health. 

Nothing. 

All  fines  for  vio- 

1% of  annual 

466,  sects.  1319- 
1326,  and  amend- 

lation of  Sanitary 
Code  or  health 

salary;  fines, 
penalties  and 

ments.    Applies 

iaws  of  New  York 

rewards. 

to  New  York 

city. 

city. 

Acts  of  1911,  ch. 

Board  of  Esti- 

Nothing. 

From  excise 

Nothing. 

669,  and  Acts  of 

mate  and  Appor- 

moneys or  liquor 

1912,  ch.  479. 

tionment. 

taxes. 

Applies  to  em- 

ployees not 

eligible  under 

other  retirement 

systems. 

1914.] 


HOUSE  — No.  2450. 


343 


5.  Other  State,  County  and  Municipal  Employees  —  Continued. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of 

Recognized  at 

After  30  years  of 

_ 

annual  salary  at 

any  time  if  in- 

service.   After  20 

time  of  retire- 

curred in  line  of 

years  of  service, 

ment. 

duty. 

with  a  good 

record,  if  65 

years  of  age. 

$420  annually  if 
retired  after  35 

Recognized 
after  20  years 

After  35  years  of 
service  em- 

- 

_ 

In  event  of  dis- 
charge for  cause 

years  of  service. 

of  service. 

ployees  may  be 

other  than  disa- 

After 20  years  of 
service  annuity  is 

retired,  and  after 
40  years  of  serv- 

bility or  incapac- 
ity, employee  for- 

in proportion  as 
length  of  service 
is  to  35  years. 

ice  employees 
must  be  retired, 
provided  in  both 

feits  all  claims. 
Employee  may  be 
reinstated  after 

cases  20  years  of 
service  were  in 

disability  ceases, 
and  period  of  re- 

public library 

tirement  counts 

of  the  city. 

towards  service 

pension  but  not 

towards  disability 

pension. 

One-half  of 
annual  salary. 

Recognized  at 
any  time  if  in- 
curred in  line  of 

After  25  years  of 
honorable 
service. 

- 

-          - 

In  event  of  death, 
resignation  or  dis- 
charge after  less 

duty.    After  25 

than  25  years  of 

years  of  service 

service,  all  pay- 

or for  advanced 

ments  are  for- 

age if  unfit  for 

feited.    No  pen- 

duty. 

sions  are  to  be 

paid  until  1918. 

$300  annually  for 
disability  incurred 

Recognized  at 
any  time  if  in- 

Alter 20  years  of 
service  if  60 

In  event  of  death 
incurred  in  line 

- 

- 

in  line  of  duty. 
One-half  of  an- 

curred in  line  of 
duty.    After  10 

years  of  age. 

of  duty  or  after 
10  years  of  serv- 

nual salary  for 

years  of  service 

ice  from  natural 

disability  after  10 

if  incurred  in 

causes,  widow 

years  of  service  or 

any  manner. 

receives  $200  an- 

for service  retire- 

nually, children 

ment  after  20 

under  18  years, 

years  of  service. 

$200  annually;  if 

neither,  dependent 

mother  receives 

$200  annually. 

One-fourth  to  % 

Recognized  at 

_              _ 

[n  event  of  death 

_ 

Physicians  and 

of  annual  salary 

any  time  if  in- 

incurred in  line 

surgeons  are 

for  disability  in- 
curred before  20 

curred  in  line  of 
duty.    After  20 

of  duty,  widow 
and  children 

included  as 
employees. 

years  of  service. 

years  of  service 

under  18  years 

After  20  years  of 

if  incurred  in 

receive  not  over 

service  not  ex- 

any manner. 

$300  annually;  if 

ceeding  y<i  of  sal- 

neither, dependent 

ary  of  em  ployee 
of  same  rank. 

parents  receive 
5300  annually. 

Not  more  than  ^ 

After  30  years  of 

_             _ 

_ 

Members  eligible 

of  average  annual 
salary  for  3  years 
before  retirement. 

service.    After  20 
years  of  service 
if  veterans  of  the 

not  affected  by 
change  from  one 
department  to 

civil  war. 

- 

another,  by  any 

change  in  title, 

promotion,  vaca- 

tion or  leave  of 

absence. 

344 


COMMISSION  ON  PENSIONS. 


[Apr. 


5.  Other  State,  County  and  Municipal  Employees  —  Concluded. 


STATE  AND  CITY. 

Legislation. 

Management. 

FtJNDS  CONTRIBUTED   BT  — 

State. 

Local 
Authorities. 

Employees. 

Pennsylvania. 

Laws  of  1913, 

_              _ 

Nothing. 

J4%  of  all  taxes. 

1%  of  annual 

No.  461.    Ap- 

salary. 

lies  to  1st  class 

. 

cities. 

Laws  of  1913, 
No.  38.    Applies 
to  2d  class  cities. 

• 

Nothing. 

See  Additional 
Data. 

See  Additional 
Data. 

1914.] 


HOUSE  — No.  2450. 


345 


5.  Other  State,  County  and  Municipal  Employees  —  Concluded. 


Rate  of  Pension. 

PENSIONS  FOB  — 

Payments  at 
Death. 

Refunds. 

Additional  Data. 

Disability. 

Age  or  Service. 

One-half  of  aver- 

_ 

After  20  years  of 

_ 

_ 

_ 

age  annual  salary 

service. 

for  2  years  pre- 

ceding retirement. 

_ 

_             _ 

_              _ 

_               _ 

—                     — 

This  is  merely  an 

empowering  act 

authorizing  the 

* 

creation  of  a  pen- 
sion fund  for  aged, 

retiring  or  dis- 

abled employees, 

such  fund  to  be 

raised  by  deduc- 

tions from  salary, 

or  by  annual  ap- 

propriation there- 

for by  way  of  in- 

crease in  salaries, 

or  by  both 

methods. 

(Bay  View, 


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